I agree with Fuzzybuddy. The Medicare advantage insurance companies get very aggressive and oppressive this time of year. It's disgusting. All of the Medicare approved medicare advantage plans are listed in the back of your Medicare book they mail out each year. You can read them yourself. The insurance companies are making a ton of money from seniors or they wouldn't be doing all that advertising. Often your medical co-pays don't add up to as much as your insurance premiums over a number of years and that's what they're counting on.