I applied for part A and part B to start 2/1/2020. Was going to apply for the state of TN retiree supplement and a part D. Recently I have been put on two new drugs and the part D coverages are not great. It is possible that a surgery could eliminate the need for those drugs, but maybe not. So I was trying to find out about other possible supplement plans or even Medicare Advantage. My internist and hospital take the Empire Mediblue. But when I try to get info, people won't even talk to me because I don't yet have my Medicare card. State of Tennessee says I have to have the card before applying to the supplement and I have to do that 30 days prior to start of coverage, yet I couldn't apply to Medicare until this month. I have been screaming at the computer all morning. How is one supposed to make this scheduling work? If I have applied to part A and B already for 2020, I could not change to Advantage until 2021, right? The application cannot be modified, I think it said? Help!