[MAKAI]

Local senior center in my town had extensive break downs of many supplemental plans and various co pay cost. The more you pay monthly, generally, the out of pocket cost for specialists, X-ray, MRI , etc, are lower. Also you have more of an ability to go out of network if needed.
Lots to digest.
You can switch supplemental plans annually during open enrollment if not satisfied with the one you’re on.
You do have to be an advocate for yourself. Seems the older you get you are not prioritized as much.