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When I retired I did not think I could afford a Capital Health Plan (CHP) Medicare Advantage plan. I had seen other Medicare plans with lower or no monthly premiums. I decided to try one of these other plans. Soon after making the switch, I needed to be transported by ambulance from my doctor’s office to the hospital. This ambulance ride cost me $890 out of my own pocket. Then I found out that my heart doctor didn’t take this Medicare plan, even though I had been told I could go to any doctor. I had to wait almost a year until the next election period to rejoin CHP. Emmaline says with joy, “I switched back to CHP and I’ll never leave CHP again!”