Exactly. And Mayo Clinic stopped taking Advantage Plans ....only recently did they renegotiate with one provider here in MN. Advantage Plans cost the government more and provide less choice and freedom. It is heart breaking to read about someone with something serious and they are WAITING for approval to see a specialist or to get a PET scan. Then they advertise you get dental and vision, but I am very fussy about dentists! Whatever I overpaid for my Medigap policy these last ten years, I have now made up because I had serious stuff and I went to Mayo for lung surgery and a cardiac stent.