Sounds like you need to do some research. Find out specifics of coverage you have now. Look at what you could get in Medicare supplement and Part D on your own. Look at Medicare Advantage plans too. Often, especially with Part D, the medications you're on will dictate what policy works best for you. Insurance company websites may even offer a calculator where you can enter what you are taking and see what they will pay. It takes some effort the first year but after that it's just a matter of reviewing premium increases and any coverage changes. Usually if you are happy with what you have you can let it renew. Nice that you had employer provided coverage but that's something that is slowly going away, and many retirees never had it to start with.
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