Here's the other catch, freedom of choice. If you select a plan that does not cover you out of state or at various hospitals you have a big problem. You could be stuck if you need services at, say, Johns Hopkins and they only accept their Advantage plan not yours. Many hospitals do not participate with Advantage Plans, which means you will be transferred to another hospital unless it is an emergent life-threatening situation. I have had people sit in an emergency department for hours to find that they cannot be admitted because their plan is either not accepted or will not pay at a particular hospital only to be sent off to another facility. I have also had clients who have been given very limited choices for rehabilitation care after a hospitalization. Frankly, the options are usually, in my opinion, cost-cutting options, i.e., not top of the line. I have had clients from Anne Arundel County sent to Harford County because that's the only option that was available to them as dictated by their Part C Advantage Plan.