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I got so excited that I received a phone call from a woman turning 65 who was referred to me by an existing customer, but didn't qualify her correctly. Come to find out, she's been on a popular Medicare Advantage plan for several years here in San Antonio (Medicare Advantage city), but is getting the run-around from her medical group to see a decent orthopedic surgeon. Her in-house physical therapy for her 2 bad knees, while FREE consists of nothing more than a warm towel and TINS stim treatments. She merely wanted me there to suggest another PCP to her on this appt. I explained to her that she could indeed change PCP, but wouldn't be effective until July 1, and no guarantee that the new PCP would treat her any differently. I also noticed that she and her husband are limited income (combined SS $1,500/mo; enough for SLMB and LIS, but not FULL Medicaid). Since she is just T65 with no LIS , she qualifies for the open Enroll with Medigap, no questions asked on pre-existing at I believe $96.21/mo for a Plan G. I explained to her "Simple Medicare" + secondary vs MA, option of choosing your providers, no referrals needed and no nickel and diming from copays on the specialist visits, hospital, x-rays, ambulance and such. I explained to her that it could be temporary until she gets back on her feet or forever. Since she would enjoy an MA SEP, I explained to her that I could always place her back on it at some time in the future if she chooses. I empathized with her by sharing my mom's experiences with her 2 total knee replacements and what is involved with recovery, nickel and diming of physical therapy visits, etc. Since the husband was not there, she wants to speak with the husband. I don't know what to expect, since I've never really pitched Medigap with the po' folks.