[John Rogers]

It appears to me that the only people who know are those doing the commercials! I have had Medicare since I turned 65 in 2010. I am lucky because unknown to me earlier in life once I retired from the US Navy and started Medicare I get Tricare for life which cover the prescriptions and any costs Medicare doesn't. It does not cover dental or vision so I had to buy a small add on policy. It sounds to me like the seller of your add on was getting paid for what they sold and if there is still time ( I think there is ) I would cancel that one and shop around. What you have is as the person told you ARE TWO COMPLETE policies! Good luck.
John