I honestly don’t know.
People tell me that Medicare is easy to sign up for, which I disagree with, and trying to decide which is best is frustratingly confusing.
Everyone is trying to sell you their own plan and what I would like is to find a third party who can give me unbiased advice.
Is your husband self-employed?
One option for some meds that we have found very cost effective, is going through an online Canadian pharmacy. I get Synthroid VERY inexpensively that way, but other stuff is no deal. And you have to be careful to find a reputable company.
Our medicare, insurance and hospital billing/payout policies are a minefield that can bleed a person drive because of the lack of transparencies and I have yet to find an advocate (not a salesperson) to point out which policy is best for me.
Join AMAC and look into their programs.