Sulay N.
I am surprised by all the low ratings
I am surprised by all the low ratings. As a senior on Medicare, I have been very happy with this advantage plan. With a $0 premium, affordable co-pays (incl. out-of-network), and the fact that they have approved my higher-tiered formulas for most prescriptions, I worry that if and when I relocate out of the 5-state area they cover, I may not find a similar satisfying insurer. As for the Healthy Benefits VISA card, I used it today, and it covered items not usually considered within their "required list", such as a passport photo at CVS, or buying food at the supermarket not considered "healthy" (desserts, hot buffet takeout). That was a real surprise and treat. One star left off, for some confusing billing that had to be defended MULTIPLE times (one was 3 years later!) before my appeals were transferred to the higher Medicare team.