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More plans mean more choices. Each part D plan users different pharmacies and most will have preferred pricing at certain pharmacies. The Medicare Advantage plan can be a great plan for those who can’t afford or qualify for a Medigap plans. , there can be underwriting for the Medigap plan if you do not have a guarantee issue enrollment period. A good agent will verify your needs. If you are looking at a Medicare Advantage plan they will verify your doctors and hospitals are in the network and what happens if you have to or want to go out of the network. With all plans I encourage you to look at your current prescription and medical needs. You can change every year. Also with most of the the Medicare Advantage plan paying less gives you greater benefits. There are even plans that give you back some or all of your Medicare Part B premium