Went with Aetna over Baymac for the simple reason that the ability to maintain coverage with Baymac, you are require to hold a current pilots license. My thoughts were that I needed coverage long into my golden years after my flying career is over, or taken from me by my health. Having to maintain an APC membership in my retirement is a bit of a pain, but at least it is unconditional.
My take, stand to be corrected