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" ... Personal fact-finding is critical – for individuals and the system as a whole. Despite all the potential benefits of expanded supplemental care offerings, seniors ultimately bear the responsibility for their health outcomes. A plan poorly chosen – for instance, one that no longer covers a necessary medication – could prove financially burdensome at best, and catastrophic to health at worst. Plans change by design, and consumers must be advised to read scrupulously every year before reenrolling. A doctor no longer being in network or a critical service being dropped could set into motion a costly downward spiral. ... "