Jose G

Very simply, mother and father are in their mid-80s. Jose knew enough that an HMO wouldn’t work in his parents’ situation, for one reason or another. That is their private business. He put his hand up (out). His parents will be sorted on January 1 to make the desired change, which has an entirely reasonable logic, no question, given the circumstances, which I vetted for free (duh).

It can very easily be that since people don’t know that a very very very competitive market exists, the Medicare Advantage or Part D plan is going to be obsolete for one reason or another. There are technical reasons that the plans are not simply discontinued (the administrative costs and loss of enrollees to the carrier would be enormous). SO, that leaves the parent with an obsolete, over-priced plan. This can cost $3000+ a year for a couple, easily.