Unless you live in a state that requires insurance companies to sell you a Medicare Supplement plan, NEVER enroll in a Medicare Advantage plan, no matter how enticing it seems. People who live in Connecticut, Maine, Massachusetts or New York are not locked into Medicare Advantage plans if they make the switch. HOWEVER, if they have a health crisis, they will not be able to easily switch to traditional Medicare until certain times of the year.
Medicare Advantage is so bad that Scripps, a huge provider practice in San Diego, has stop accepting the plans:
https://thecoastnews.com/two-major-scripps-groups-drop-medicare-advantage/
Rural medical areas around the country are being decimated by how bad it is to deal with Medicare Advantage plans:
https://www.nbcnews.com/health/rejecting-claims-medicare-advantage-rural-hospitals-rcna121012
I don't post much anymore because there is nothing else I can say besides kick IBM to the curb and don't use their plan! Don't use any Medicare Advantage plans. During Fall Open Enrollment, if you can, go back to using traditional Medicare and a medigap. Your window to "go back" no matter where you live, is closing. You can switch back to what you had until December 31, 2023 because you had a 12 month "Special Enrollment" such that the federal government allows you to go back. After December, it is unlikely you can switch to traditional Medicare unless you live in the four states named above.
