[jojo]

My mother had what I call a "high-end" advantage plan and it worked well with her doctor and the hospital. However, when she needed skilled nursing following a bout in the hospital, we had few choices and it was an absolute nightmare. In addition to poor nursing care, they lost her hearing aids the first night she was there. Even though she was fully continent, they put a diaper on her despite her protest. I have a neighbor who just experienced a hip fracture and was limited in skilled nursing because of her advantage plan. Beware.