I am 66 and have Medicare plus AARP United Health Care as my supplemental Insurance plan ( F ). I have not had any problems with doctors accepting my Insurance and other than the monthly premiums for Medicare & AARP I have not had any out of pocket expenses ( Note this excludes Prescriptions which would be covered under Medicare Part ( D ). I believe that no matter what Part ( D ) Plan / Provider you choose you will have a monthly premium and some out of pocket expense for your medications. If you do not use many medications and are not on any specialty Medications the expense should be minimal. However if you are on alot of medications and any specialty medications you will likely have some significant out of pocket expense. Medicare provides an online tool to help estimate your annual medication expense. You should familiarize yourself with how Medicare Part ( D ) works and compare it against the coverage you are receiving from your Husbands plan and consider this in your decision making process. While you will not be able to use the Villages health for your primary care provider you can continue to use them for any Specialist that you may be seeing ( unless they changed this for 2021 ). Also I would like to clarify that Mayo Clinic does accept Medicare patients. However they do not accept Medicare assignment which means they will not accept the Medicare approved amount ( which is the amount medicare will pay your provider for a specific service / procedure ). Medicare allows Doctors / Hospitals that do not accept Medicare assignment to charge an additional 15% over the Medicare approved amount. Medicare Medigap Plan ( F ) covers this additional expense should you use a provider that does not accept Medicare assignment. Note for 2021 plan ( F ) is not being offerred to New Medicare clients so you should look at each of the
Medicare medigap plans ( A, B, C, D, G, K, L, M & N ) to see which one provides the level of coverage you desire. Again you can look at this online at Medicare.gov. Medicare is confusing and I would suggest that you speak with someone from SHINE to insure you have a full understanding prior to making any changes Finally here are some of the items and services Medicare doesn't cover:
Long-term care (also called custodial care )
Most dental care
Eye exams related to prescribing glasses
Dentures
Cosmetic surgery
Acupuncture
Hearing aids and exams for fitting them
Routine foot care
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