Agree with BillD64E
There are two (1990's era) retired IBMers in our house. Both of us left the traditional Medicare Plan F and Part D on 1/1/2023, and accepted the IBM Advantage plan. While we were guaranteed a return to previous Medicare up to one year, as of now, we are finding no reason to go back. Our insurance card has been readily accepted so far by at least four different medical facilities, and the prescription plan is working well. There was a bit of a "learning curve" initially, but we are quite satisfied with changes to both medical and pension plans.