Here's my two pennies worth. I was very confused by the programs, but as luck would have it the local AAA auto club was conducting a seminar with reps who were specialists in Medicare. I attended the 3 hour seminar that really did a great job of explaining the programs. I made an appointment with one of the reps as a follow up. Based on my health I chose plan N. That will work for the present and I have no complaints with coverage..............knock on wood I've been blessed with good health so plan N works. My understanding is that during a plan's lifetime you can only change plans one time. Plan N works for now but as I age I may want to choose another plan. Good luck in your search and if you are a member of AAA check out if they have any seminars.