I apologize to the original poster who was asking about those who have MA plans. I also do not. Timing is everything. I was diagnosed 2 months before the deadline for me to enroll in medicare and ended up having surgery 6 weeks or so after I enrolled in Medicare parts A/B/D and G (supplemental plan). Once diagnosed with high risk disease I could not take on the risk of an advantage plan where I might not be able to seek out the doctors I preferred and where copays could add up to significant amounts. With the possible exception of the Part D drug plans, my combination of A/B and G has worked beautifully for me. I believe Part C plans are legally required to cover everything Part B covers, but most complaints I hear are that the insurors can drag their feet in approving tests/procedures that result in delays. No issues with those companies making money with the enterprise - they take on risk so are justified IMO in making reasonable profit.