Medicare For Full Timers

The issue some have with these "any network provider" Medicare Advantage "nationwide" plans are in some parts of the country, there are too few providers let alone any specialist. Even when there are providers, the next available appointment for non in-state enrolled patient is a month or more out. Humana, like all "networked" Advantage plans is provider deserts, no provider within any reasonable travel distance. Yes, you may be able to go out of network in some cases and have a portion covered, but often they use the network requirement for coverage as an excuse to deny payment.

I don't think is really a case of "gambling", more like a careful needed evaluation of risk vs rewards. For the rewards of saving substantial money, can you tolerate the risk of a possible no or denied coverage and expense?