I am fortunate to have landed with an MA Counselor I like and can trust the research she does. It's just both of us missed last year due to our changing health conditions. In fact, I've thrown the whole "where did this dun come from and why have I never gotten a billing" issue directly in her lap for research, especially with regards as to whether or not its a scam. Lovely thing to think of at 3am! 
What does concern me is that how the cost *and* coverage is going to be seriously affected by all the repugs healthcare hits on everyone. I noticed the other day even the MA groups and plans are shaking out to get rid of the "chaff"... like everything else has always processed. Remember when we started out with small Internet companies competing with each other everywhere? And then they all were either bought out, merged, or out of business and we get left with just the big players. I see the same thing beginning to happen now with the Medicare Advantage groups and plans.
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