@karukgirl hi karukgirl, I'm in a dilemma. I just changed my Medicare Advantage HMO plan in Jan before this diagnosis. I just completed breast cancer treatments last year (like I have nothing else to do) so I had to change my insurance because on 2026 many insurance companies changed their in-network cancer treatment coverage. The NCI designated Optum Center of Excellence in my area wasn't in network for 2026 so I changed the insurance company and the level PPO/HMO so I can still have treatment if I needed it in 2026, financially, not thinking about my heart issues because I never had a diagnosis especially a severe disease. My old cardiologist only said (in addition HTN, blood thinners, Familial Hypercholesterolemia and mitral regurgitation). One day ... Could be a few years or ten years you probably would need a mitral valve replacement.... Otherwise you're fine, everything is the same as last year and the year before.

So obviously I'm like a hawk watching my tests and hoping my cancer doesn't return BUT I have that assurance that I have a in-network center of excellence for cancer treatment within 30 min from my home and family.

Now my current insurance says any centers of excellence for surgery and/or treatment is out-of-network so I'm stuck!

Just trying to keep my positive attitude.

Thanx for sharing !