Forgot to mention that we do have Medicare supplemental insurance. It’s a BCBS policy for retired SC state employees and includes drug coverage (such as it is–our 3rd medication has fallen off the formulary). DH taught at a state college for 10 years so just qualified for it.
I would not do Medicare “advantage.” The advantage seems to be to the insurance company, although I know some people happy w/their MA policies, even one who had melanoma and a heart attack and has been pleased with her care.