1. You mentione that "PCP then submits a request to Humana to ask for authorization for treatment." Normally how long will this take ? The story I heard is sometimes the authorization is not granded due to the wrong code or some other reasons , it will take some time to solve. In that case , what can patient do ？ For some situation , timely treatment is critical......
2. Is MA HMO plan local ? can your PCP refer you to out-network or out state specialist ?
Totally agree with you that Medicare choice really depents on each person's situation , people need to do their home work .
Best,
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