Require all Companies that provide Medicare Advantage type plans to answer phone calls from policy holders withing 5 rings and to place them on hold when responding to a question no more than 5 minutes and if the operator can not answer the question that operator must connect the call to a person who is capable of resolving the issue. Also, if the plan network changes the policy holder should be permitted to leave that and all Medicare Advantage plans and enroll in “Medicare Supplement” and Part D plans with no penalty and without waiting until the annual enrollment time.