Thanx for your reply, Rose!

Humana is the only one that offers Advantage plans in my area and not all of my docs were included. Not sure if any were. I will definitely recheck that, though. Thanx for explaining how it works.

I have the SLMB Medicaid that pays for my Medicare premiums. If I have medical and dental bills higher than a certain amount (I think about 70% of my disability check), full Medicaid will kick in. My state Medicaid doesn't cover dental or vision. It sounds like your state has better services.

Thanx again for all the info. It sounds like you've had to deal with a lot of this stuff, too.