 A new Wall Street Journal investigative report found that private insurers were diagnosing Medicare Advantage patients with conditions they never had so they could charge more, raking in an extra $50 billion of taxpayer money from 2018 through 2021. For more on this, we're joined by Jay Oh, Medicare expert, certified financial planner, and education fellow at the Alliance for Lifetime Income. He's based in Ann Arbor, Michigan. Jay, this is a huge number. Let's start with how this could possibly happen.