Thousands with Medicare Advantage plans left out-of-network. Virginia cancer patient calls it 'daunting.'

Richard Martin Sr. served in the Army, worked his way up to head of maintenance at the Federal Reserve Bank of Richmond, and is now the proud grandfather of seven. In 2013, a doctor diagnosed him with multiple myeloma and gave him three to five years to live.

Twelve years later, he's still thriving thanks to care provided by his doctors at VCU Health.

"They've taken great care of me," Martin said.

But at the end of the year, all of his doctors who keep him alive and well will be out-of-network with his insurance.

"I'm still here because of the care that I'm getting and the medications I am getting, so it's going to be daunting to find all the doctors that I need," Martin said.

Martin has the United Healthcare Medicare Advantage PPO plan. His former employer offers it to retirees, and