I specifically chose a more expensive MA plan that includes Rx (even though it cost more in monthly premiums) because it covers (In Network):
100% of my DME
100% of Prosthetics/Orthotics
100% outpatient and labs, MRIs etc

It covers 80% if I go Out of Network providers. No limits really as after I reach $3000.00 out of pocket (including my medication co-pays) everything is covered at 100%. My plan cost $116.00/mo and I am in Virginia.

DH and I went to insurance counselor (free)b & did the "guess-timates" of my medical expenses yearly. Spending more on a top level MA plan would atually cost me less than going with a cheaper MA plan or traditional Medicare with a PArt D. So far I have had no problems with my Optima Medicare Premium Plus plan at all. Only negative is Tier IV drugs are a 20-30% cost share which I cannot afford.

I will say they assigned me a Nurse Manager since I have "...serious, chronic medical needs". I was iffy about this at first, but she has been great so far.

Caveat: she did first set me up with thier DME company who wanted to bring me a stock chair (I told them I already had a lightweight Invacare 9000SL which no longer worked for my needs!). All thier DME wanted to do get my weight/height; even told me there is no such thing as a fitting or evaluation!! She didn't sound like the sharpest crayon in the box Needless to say we cancelled them and went to my usual DME supplier.

sorry this was so long