Medicare B, Medicare Advantage plans and medigap policies have too many variables and all the choices given when you sign on are hard to navigate and choosing a plan is difficult under any circumstance.

If you are sick or unable to articulate your issues as is normal especially as you age, then managing your healthcare needs becomes even more difficult. The system is not set up to take care of you when you age, but to make decisions for you that make taking advantage of you a piece of cake.