I have two comments. First, Medicare Advantage plans should not receive anything more from the CMS than the CMS would pay for the service under their traditional fee-for-service arrangement. If Medicare Advantage plans want to set themselves up to be different by adding coverage, then they need to add the benefits at no additional cost to the CMS or create a premium to the beneficiary sufficient to cover the additional benefits.
If the additional benefits are worth the cost, the beneficiaries will pay the extra cost and be happy. Otherwise these beneficiaries should stay with the traditional fee-for-service Medicare plan. Medicare Advantage plans should not be created to take advantage of the CMS. If insurers argue that they can provide the care more efficiently than the CMS, let them prove it and get the CMS out of the insurance business. The CMS can pass the program administration to insurers that have the expertise to provide the service and pay the traditional fee-for-service amount as adjusted by Congress annually.