I have regular Medicare and AARP/UHC's Plan N supplemental. I probably don't have the bargain on this stuff like some of you with different plans. Premiums are higher than I'd like, and I have a couple of hundred bucks deductible every year. But I'm never asked for a co-pay, and everywhere I've gone thus far, they take this with no questions asked.
I didn't pay a dime for the cataract surgeries, but there's no routine vision and dental coverage, which is all too typical with regular policies that aren't Advantage plans.