It's confusing intentionally. We ran into a lady at Walmart of all places who really helped. I got the Advantage PPO for half price hearing aids. I'm healthy, no drugs to speak of. No premium. Copays though. Good Rx is good to beat the system on drugs. Maximum cost per year no matter what is $4,500. Two years in. So far so good. Sleep study cost me $300 or something. Regular doc is free. Specialist $25. Advantage gets knocked but she convinced me to stick with it.
