Go to www.medicare.gov and order a copy of "Medicare and You". Read it until you understand it. Check with your local area senior services agency (this is a state/county office) for seminars or individual counseling sessions they may offer on picking the right plans for you. DO NOT go to sessions sponsored by insurance companies. They are selling something. As a former medical office billing clerk I have seen a lot of misery caused by having the wrong Medicare plans. Advice you receive on RV forums is not always reliable.