Again, if you get a catastrophic illness, they're not going to be able to negotiate so low that 20% of it does not wipe you out. How many medicare people told you this? No one in medicare ever told us any such thing.
I'd call someone else or go up to the SHINE people here in TV and ask for a second opinion on that.
I thought the medicare rates were fixed for a specific item in a specific area. That they don't "negotiate" each time for each person. You should be able to check what they pay for, say, open heart surgery or some other large procedure just to check how much your 20% would be and decide from there.
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