I've worked in the skilled nursing facility field for 10 years helping seniors who need rehab and this is by far the worst plan ever. It prays on Christian groups they deliver nothing I have a patient that has sat in the hospital for 10 days waiting for an authorization to get some rehab and they delay and delay on delay she will be sent home with no rehab services because the hospital can't hold her this is by far the worst plan I've ever seen keep your Medicare or if you need an insurance plan pick any other managed care plan and spread the word to your friends neighbors and church!