Actually, Medicare A + B + D, versus Medicare Advantage is a case where insurance companies offer competitive health care at a lower price. I have an Advantage plan that costs me nothing, but the Medicare Part B premium and it includes drug coverage equivalent or better than Medicare part D. The one disadvantage is that it is an HMO, so I have to use a certain medical group...exactly the same one I have used for years even with the same Primary Care physician and the same Neurologist!