Write yourself a Plan G and you'll get 20-23%of your premium back each month. No networks/copays to worry about.
If you have a MA more than 12 months, you'll have to be underwritten to be able to switch to a Med Supp.
On the cheapest PDP(Aetna), only Tier 1 drugs avoid the deductible. For an extra $5 a month, Wellcare avoids the deductible on Tiers 1 and 2.
You might be in good health now, but that can change at any time.
Good point on the PDP, That Wellcare is a good plan for $12 much more cov than the silver script more pharmacies and not another plan as good for someone who is not taking a lot of expensive meds
Another good point on the commission offsetting the cost as well
I would also say plan N can be a good option as well, He does not go to the doc often it sounds like often $20 to $30 less on premium and often higher commission too
Honestly, I have never really had a client pay an excess charge
Also TX most companies give HH discounts even with only one person applying