Another vote for Plan F, Supplemental coverage, mine through Blue Cross Blue Shield of North Carolina. The agent referred to Plan F as "the Cadillac," and I can see why now. I am really happy with it so far (six months) compared to my initial Advantage. Yes, there is a monthly payment, but no co-pays. See any doctor you choose who accepts Medicare. Seems to be covering everything.
I only take one cheap drug, so I got AARP's United Healthcare Part D bare bones plan for $15 a month. I'd be better off with no Part D currently, but apparently you may pay a penalty if you don't begin with it and later opt for it.
