YOUNGSTOWN, Ohio (WKBN) -- For the thousands of Medicare Advantage customers who use Mercy Health for services and receive their benefits through Humana, time could be running short.

Craig Villwock owns the "TLC Insurance" group, which handles Medicare customers in all four states served by Mercy Health and Bon Secours. Although the normal period to change policies or carriers opens this Wednesday, the current agreement between Mercy and Humana insurance is set to expire Dec. 1.

"That causes a major issue, because the Medicare open enrollment doesn't take effect until [Jan. 1] so there's a month of problem," Villwock said.

Making the situation even more critical, Villwock describes the negotiations between Mercy and Humana as "difficult."

"You know, the environment in Medicare, between

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