I kept my full BCBS. I couldn't find a seminar close to me & the only people who would talk with me weren't the ones I wanted to talk to. The drug plan was one of our concerns. My husband is an insulin diabetic, has heart issues, BP, prostrate, on & on and I have a chronic condition that requires treatment every 3-5 months + monthly dr visits & specialists. So we kept our full BCBS plan & took Medicare. I've been on Medicare for 4 yrs, my husband just one.