I hope that lawsuit works out for you. Sounds like you're trying awful hard to keep up with all your obligations. I'm glad your creditors were willing to work with you.

These Medicare Advantage plans have gotten greedy about wheedling more money out of subscribers, despite the many thousands of dollars they get from the federal government in premiums for each and every subscriber. Back in 2013 they (the insurance companies) were getting about $9600 a year from the federal government for each person they covered in a Medicare Advantage Plan (Part C Medicare.) Four years later, it's probably gone up. Those premiums are that large because healthcare in this country is awful expensive. Our system of healthcare is inefficient and a lot of what is done is not worth the cost.

Since August my family member, who is elderly, has been getting thousands and thousands of dollars worth of therapy. (Physical, occupational and speech.) I don't think it's benefitting him hardly at all. He was in a rehab center for 12 days to get therapy. That is hugely expensive. He had two sessions of therapy per day, each one lasting 50 minutes. (None on Sundays.) For the amount of money that cost he could have been put up in a fancy hotel, fed gourmet food and had professional therapists hired to visit him twice a day and nurses hired to care for him. While he was there in the rehab facility he contracted an infection from getting inadequate attention to hygiene. The staff members providing his therapy were unlicensed assistants. One of those sessions might be spent with a speech therapy assistant playing a game of cards with him to stimulate his mind to improve his cognition. (Yeah, thousands of dollars for this stuff.) After the 12 day stay was up, he got a speech therapist coming to see him at home once a week to engage him in conversation to further stimulate his brain. (Like nobody'ld be taking to him otherwise.) I don't believe his brain is one bit better for this expensive nonsense. He's 82, senile, frail and gets very little out of all this "therapy." They even wanted to send someone to do "psychotherapy," despite him having zero history of psychiatric treatment. This, to me, is just thousands of dollars being poured down a bottomless hole. It's not like he just had hip replacement surgery and needed to relearn how to walk. He's had no surgery whatsoever. He has functional decline in mind and body consequent to some very longstanding ailments like spinal myelopathy and vascular dementia. Theses diseases are chronic and progressive. No amount of therapy can reverse them, or even slow down the progression of disability to any marked degree, IMHO. I think it's a big waste of a lot of money. That's our system.

But on top of the $10,000/year the Advantage HMO gets from Uncle Sam for covering him, they wanted another $12.50/month from him. This is the insurance companies getting their foot in the door of your financial house. Of course, that amount would go up every year . . . until you are giving up food to pay them.

Yes, seesaw, it sucks. The public needs to know more about who's getting what money and what for. A lot if it is outrageous.

This article explains where I'm getting that $10,000 figure from:
How Is Medicare Advantage Funded? - 2016