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What mechanisms are in place to hold the Medicare Advantage plans accountable for the Two-Midnight Rule?

You know, CMS has really let this Medicare Advantage program expand to a point that I don't think anyone ever anticipated.

Would you say that the complexity of the system is disadvantaging people on lower incomes?

I do think that we need to have more official information coming from CMS.

I mean, do you have an opinion on what we could be doing better as far as trying to help people?

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

Is that written in the rules, though, that two-week timeframe?

We need to reevaluate the rules on this program, one of those being that there is a rule in place that CMS can't step in and set a floor for the base payment rate.

I know that there are even people you can hire to help you, right.

I think there is a common thing in marketing that you have to get a message out seven times before people start remembering it.

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

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.