I would call your local Office of Aging to help you decide what is a good policy for you. My Mom had United thru AARP and her policy had a "share" feature. This means Medicare pays 80% of what they feel is reasonable. The 20% left is picked up by your supplimental. With Mom, she paid half of that 20%. I have the same thing with BC/BS
Now a suppliment should/may pay that 30 but doesn't happen when sharing is involved.
You need to consider deductables and copays. Straight Medicare with a suppliment or a Medicare Advantage where u have to stay in their network to reap the advantages. You need to weigh the pros and cons. Office of Aging should be able to help.
You will need to check out each insurance agency in your area on your own. They vary, and vary a lot. For instance United Health has a host of different policies. Some of Advantage policies which work for some, not for others. The Advantage plans limit your access to doctors and facilities, where your overall plan which is not Advantage allows you to see any doctor anywhere and go to any hospital (but costs more monthly.). So with all the variety in policies from one company alone you can imagine the variety in comparing several. I hope that some will tell you their satisfaction with their policies from the companies you mention, and what type they have. It must be daunting to search through all the choices. In California I have been a member of Kaiser the several decades I have been retired, and I cherish them. Never an unknown bill or a "we don't cover that" or anything else. We are very happy with them.
Now a suppliment should/may pay that 30 but doesn't happen when sharing is involved.
You need to consider deductables and copays. Straight Medicare with a suppliment or a Medicare Advantage where u have to stay in their network to reap the advantages. You need to weigh the pros and cons. Office of Aging should be able to help.