Need Some Advice on MA Re-enrollment

I had a couple Bankers agents replace a couple of my life policies using scare tactics. No big deal. problem solved and I saved them.

But while there yesterday to get them back on bank draft they informed me that the Bankers agents also replaced her Humana MAPD with a better one.

I told her those plans changed all the time so they probably did OK for her. She pulls out her new Humana card to show me. It's a stand alone PDP.

She was on the PPO. I asked her what she did about her medical. She pulls out a Bankers HD F and then a Convalescent Care card that she said was her LTCi. $79/mo
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