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I don't have a lot of confidence in the information on that link, and related ones either. I spent some time a few days ago checking to see whether my current providers are in-network. The good news is it looks like they are. The bad news is I accidentally found a doctor listed as in-network who hasn't practiced in three years. The problem with depending on providers to be in-network is they can quickly drop out of the network, and often without the patient knowing it.

I'll continue to research this, but I'm inclined to avoid Medicare Advantage policies. We already know that IBM doesn't care about their retirees. If they wanted to lower the $3000 subsidy, why not just do it, and leave everything else alone.