Totally agree with yabbadu that folks with Advantage plans may not be so happy should they have a serious illness which is why we are choosing a Supplement instead. One can choose otherwise "based on health now" and everything could change the very next day!
One area where I have some confusion is...Do the various companies still have contracts with individual physicians or groups of physicians and health facilities like they do pre-medicare. Or are there not negotiated costs at this point?
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