I've spoken to folks every day this AEP whose doctor told them they're not taking Humana anymore ("too slow to pay"), or the only private hospitals in their area aren't taking MAPD plans anymore (just the crappy local public hospital), or XYZ Health Group is not going to be in-network with Humana next year. Between the network shrinkage, the # of Plan Exits, and the skyrocketing MOOPs, it's been rough at times. BUT, I'm optimistic things will improve greatly next year with a new regime at CMS.