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Would it have been helpful to start having that dialog earlier?

Jana and Kierstin, you obviously deal with a lot of folks.

Yes. Well, the good news is you have got five years to research it. It may take that much time.

Do you think that is what most people think?

You can't go back to the Medicare supplement plans.

It is, again, confusing, especially as you just said, you can do the Medicare Advantage online but then if you are doing the Medicare supplement you have to call to talk to somebody.

Again, you talked about some of the difficulty if you have a preexisting condition, about being able to switch plans.

Locked out of getting into the----

They can't do that because they may have a preexisting condition, and that may be the thing that prevents them?

We appreciate Senator Ricketts co-sponsoring this important legislation.

I would like to thank Senator Ricketts for leading the Improving Measurements of Loneliness and Isolation Act and for co-sponsoring the Alleviating Barriers for Caregivers Act.

As the population in the United States ages it is vital that we take a closer look at the institutions and programs that we trust to take care of our older folks.

This hearing is called to order. Isn't that cool? I actually get a gavel. This is pretty cool.

I really appreciate everybody coming here to discuss Medicare Advantage enrollment program and application process and how confusing and cumbersome it can be for older Americans and their loved ones.

The whole point of Medicare Advantage plans was to be proactive and preventative, right, and you said that in your opening remarks.

That all requires preauthorization, so there could be delays with regard to that?

That would have to be done at the Federal level, and CMS would have that.

Is that with traditional Medicare? Is that less of a problem?