Thank you for your input, Vic83. Yes, many Advantage Plans do have a poor reputation and work the best when near home. With my PPO I can self refer to any doctor in the USA that accepts Medicare as I stated before. In the area covered by my plan it would be a major feat to find a doctor that is not covered by my plan and I think I would be unsuccessful. I pay anything from $0 to $10, usually $0, at appointments, all lab work, mammograms, echocardiograms, .., are $0 copay. My former employer pays 95% of my premium, my share is under $200 a year. I, too, have absolutely no insurance issues. My surgery at the Mayo Clinic in Rochester along with all of the other services were covered, in fact the insurance company customer service with the Mayo billing department always had good results. The insurance company promotes preventive care big time, wellness, and is rated top by US News and World Report. That said, your explanation is one to bear in mind and we should all be aware that changes happen. People need to study their individual unique situations. For now, there is nothing better out there than the Advantage Plan I have and I would change if necessary.