I have Anthem Medicare Advsantage, premium is $14/month. It works for me because most of my charges are medicine alone. I have an MRI this week so I'll see how much it covers on it. I was very quickly in and out of the gap. My Mom had the same plan and it was terrible for her because a lot of her charges were doctor visits and lab work. She was never in the gap. So this year she chose Mecicare N. It worked because it picked up all those xray, doctor, etc. it also picked up nursing home days after Medicare 21 days. But the premiu was $119/month. It's just what you particular needs are. What workds for one may not work for another.