In Somarco's defense, I will say I agree with this article. I had an Advantage plan for about 6 months last year. Worst decision I have made. Ended up back in the hospital shortly after it went into force. Had problems with getting tests the Dr wanted approved. When I got out my Dr ordered home health. At te end of the first cert, the HH did a pre cert but the advantage plan denied it. Never had any of these problems with my med supp. The country pays and non covered charges ended up costing me more than my premiums for the supp were. I am now back on a supp and have just finished with another round of HHC. No problems getting it approved or recertified. Also hav e no problem getting my drugs covered. As long as I can pay the premium for my med supp I will never go back to advantage nor would I reccomend it to anyone else.