As a retired MD who practiced in Florida for over 30 years I am well acquainted with Medicare Advantage plans. From my experience the only “advantage “ is cost savings. I fully understand that many seniors can not afford Medicare plus a supplement + Medicare drug plan. For them these plans are a better alternative. However, everyone who signs up for them needs to understand a downside you did not mention. These plans primarily make money by contracting with the cheapest providers. If you care about choice and the quality of your doctors AND you can afford it, I would advise you avoid them.