Since the coming of the Medicare Modernization Act of 2003, these Advantage Plans have gained popularity. This has largely been due to the “advantages” the plans have been able to provide at little or no additional cost to the “Medicare Beneficiary”. However it must be noted here, the additional premium costs/advantages/and coverage out of pocket costs are subject to change every year. These plans work well currently largely due to the amount of money Washington is paying to the insurance companies to fund these plans. Depending on where you live you could have as many as 50 to 60 or as few as 5 to 10 different plan designs to choose from for this type of coverage. Many of the plans will include the Medicare Prescription Drug Plans or “PDP”.