tuckerp, Interesting insight, Thanks.
Does this ABN apply only to M's Advantage as I assume? ?
If so I'm glad to have Traditional M.

rlpostrp, and Thanks for your analysis. Also, is this DGR approach specific to either or both Advantage & Traditional M??

Also, and not that we can do much about it (except contact our US legislators and or CMS), did you find cases of what I've heard called "Up Coding"???
This is when a doctor/provider specifies a particular diagnosis code but some (usually non-medical) person that does their insurance submissions can find a code that pays more and can pretty much fit the provider's diagnosis or condition description.
I found this happening during my automotive career on warranty repair claims. Dealers would have clerical people and computer programs that did this "up coding" for them. Only a detailed (and time consuming) audit by the factory would find this.

Thanks again for your insight and experience.