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I divide my "hate" equally among carriers unless they screw me directly, then I'll just scoop some off one plate and pile it on theirs for awhile. Just pointed to Humana b/c that was indeed the carrier whose TV ad I caught. It wasn't aimed at DSNP's I can tell you that...it was in fact highlighting all the wonderful things that can happen during this new, brilliant idea of having an OEP starting this year.Not to defend them (and I haven't seen the commercial), but usually outside AEP Humana targets low income/dual eligibles. Will they probably catch some OEP fish? Sure, but I doubt they're directly marketing to them. Hate the game, not the player.