You are so right! I comment frequently on the disadvantages of Advantage Plans. You might also mention that if someone has an Advantge Plan and then decides to go to Traditional Medicaare, they may have great difficulty in finding a Medigap plan to take them....because companies are no longer mandated to take you after the initial enrollment in Medicare.

I have Traditional Medicare with BCBS Medigap plan and have done 2 surgeries, cardiac stent, colonoscopy, many CT and PET scans etc. at Mayo Rochester, all with zero problems and I have never seen a bill