If you have Part D, that means you're not on an "Advantage" plan and pay for part B instead. But part B has a deductible, and doesn't cover everything, and has co-pays, out of pocket expenses, and is basically an 80/20 plan. If you want to flesh out that Part B with coverage for all that other stuff, you have to get a Medigap plan. Minimum for a woman age 65 in Lake County who doesn't smoke tobacco is $43 for plan G "high-deductible" which doesn't start to cover you until you've fulfilled $2875 in the part B deductible AND paid an additional $257 deductible.
Free meds are great if you have expensive prescription needs. But for tier 1 generics, you can usually get a 90-day supply at Walmart for $10 without any insurance at all.
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