If it is within your budget, sign up for Medicare Plan G or Plan F, which are Medicare "Supplement" plans. Although the monthly cost is higher than a Medicare Advantage Plan, they cover many more services, and besides a small annual deductible, there are no co-pays. Also, you don't need a Primary Care Physician to recommend a procedure. Many more doctors take the Supplement plans because these plans pay them better. Check out the following website to watch videos that will educate you on the alternatives: medicare school.com
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