[Publius]

Well, Medicare Advantage (MA) differs greatly among carriers like any open publicly traded contract. Big difference in standard coverage versus chronic illnesses like prescribed diabetes, lung disorders etc. Humana has cut their standard and chronic illnesses compensations. They do alot of expensive retail advertising, which cuts into their margins. What most people don't realize is that MA contracts have a monthly stipend/member from the government whether the individual uses expensive health care or not. Hence, the government pays monthly for each MA covered person enrolled to the carriers no matter if they cause expenses or not. Therefore, keeping each member healthy without expensive procedures benefits the carriers profits. Sure, it's a test program. However, it boosts DIY and primary care physicians to work harder to stay/keep individuals healthy. One must know caveat: under ANY MA contract the owner must have their primary care physician (PCP) acquire and get approved a pre-authorization from the MA contractor for any procedure outside the PCP's annual check ups. It's quite demanding at certain points, but can save enrollees hugely by following the rules. As always, doing one's homework can save (in our case) millions of dollars in life saving health care only Florida best in world medical facilities can provide!
Bon Chance, readers. Much to learn. More to share...
Yours In Service,
Publius