I found the same thing with the medicare advantage plans in my area so I went with my original medicare and a got supplement (or companion plan as it is called in some states) instead of the advantage plan. It has worked out really well and was less expensive. It actually covers 100% of the copays as well once meeting the deductible and the premium was less. It depends on the state. Check with insurance companies in your state to see what plans they offer.

It also works out better in some respects than private insurance with an advantage plan, because then whatever providers take medicare, there is no hassle with authorizations. However, it is just a matter of finding providers that accept medicare.

Good luck finding the plan that works best for you.