Your Advantage plan is in addition to Medicare A & B. Medicare is deducted automaticaly each month, around $100. You do pay for that, everybody does. Part D is a pain in the patooti. Are you sure you have an Advantage plan, and not asupplement? They are different in lots of ways, like cost and coverage.

I did see something in the AARP mag about the COLAs, and how somethings would change. I didn't understand it. You might want to give SS a call, and your Advantage plan, they can explain this better than me. Or call a SHINE #.