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I've been warned re. going with an "advantage" plan. You are basically signing all your benefits over to an HMO. We have a "supplement" plan through AARP called Plan F. We have yet to understand how it picks up the 20%/etc. - only been on Medicare for about 1 year. We also got a supplement plan for prescriptions - that plan is called Silverscript.
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Sold: 1989 3.2 coupe, 112k miles
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