I have Humana USAA Honor Giveback (PPO). They kick about $80 back to me each month on my Part B premium. I am satisfied with it. I also have VA insurance.
I have a guy I know who’s a Medicare broker.
I switch back between Humana and the VA, depending on my wants/needs. Each person has individual needs, different than everyone else’s.
Maybe find a Medicare broker.
The Medicare Advantage plans offer you trinkets and baubles up front, but daggers in the end when major illness arrives.
If you live for today, choose Advantage plans. If you live for the long haul, choose the government plans.
Where the Advantage plans really screw you is in denying rehab after a stroke or major injury.