We knew it was coming and got the dreaded letters today. We will be making appointments with SHINE and the United Health Store but would like to hear if any of you have knowledge or experience with two questions. First question is if you are assured of continuing the Medicare Advantage plan if you are on it. One of our major fears is that we understand that we would have to requalify for the Supplement plan which we are now guaranteed to continue. We currently do not have any major health issues but like everyone else we are getting older.

The second question relates to out of network coverage. If we do want a Sloan Kettering, Mayo, or MD Anderson e.g., is there any coverage of the 20%? We would go with our original decision to stick with the supplement plan if we were not very happy with the Villages Health System. Unfortunately we really like it and this is creating a huge dilemma for us.