No, you don't have to have a,b,c&d - the advantage plans have different combinations and often it's best to choose based on your prescript
ions, believe it or not! You pay for b, get a automatically, and the advantage is c-d, depending. The SSD & Medicare websites describe it very well, and the insurance companies also do a good job. It takes a while to see how all the puzzle pieces fit (thus kinda' good for the wait period, lol), but they do fit together nicely and give you lots of options.
Lynnwood, Lupus & Sjogren's ModeratorDIAGNOSING LUPUS & LUPUS RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde