I don't have one but I've heard that the limitations on the network available in smaller towns can be very detrimental to your health. I had a friend that was in the Oklahoma legislature and I think when they first came out it was during the first Bush administration. The Advantage plan actually gets more payment from the government. She seemed to think the purpose was to eventually move us all to commercial plans and then do away with regular Medicare. If that ever happens, I have a feeling the advantage plans were no longer have any advantages.

@Lorajay I understood doctors simply had to apply to be covered under "whatever" plan & it was just some paperwork, no judgements or investigations made.
The companies Do cap what they doctors can charge, as does Medicare.
So if the doctor can't be bothered, why should I bother with them?

Love mine! Way less than I was paying for my work insurance and the benefits are 100 times better.