I really think they make is so damn confusing on purpose, governement and insurance lingo, they don't really want you to know what's what, otherwise they would use language and terms we could all understand.
When a person starts trying to figure out all the alphabet plans, both from Medicare and the private sector, it can drive you nuts.
Funny that's how I ended up here when I was on the 'net looking for some info about Medicare in August, didn't find any info here to speak of, but sure did find a nice bunch of fun people! :sentimental: