Medicare Advantage is HMO right? I just switch my folks to BCBS PPO with Medicare and a “medigap” supplemental plan to cover things that Medicare won’t. My head is still spinning up to my neck in paperwork for the cancer and hemorrhagic stroke bills from out of network physician groups billing, truly 24/7 job. Sorry for your loss. You did a lot to help I can tell after going through this myself. Be kind to yourself. They denied my mom’s chemo drugs it’s absurd. She paid into the system for decades without incident.