thx for sharing your thoughts here, I do have a question

1. You mentione that "PCP then submits a request to Humana to ask for authorization for treatment." Normally how long will this take ? The story I heard is sometimes the authorization is not granded due to the wrong code or some other reasons , it will take some time to solve.  In that case , what can patient do ？ For some situation , timely treatment is critical...... 

2. Is MA HMO plan local ? can your PCP  refer you to out-network or out state specialist ? 

Totally agree with you that Medicare choice really depents on each person's situation , people need to do their home work . 

Best,