[JesusIsLord]

Has anyone found a doctor who is willing to accept what Medicare Part B pays for an out patient visit, as there complete fee? My Medicare payment gets me in the front door, that’s it.

Unfortunately, the Medicare enrollment window for the 2023 year ended on 12/7/22. For next year's enrollment, let me suggest you compare all the Medicare Advantage plans offered to your zip code. You can check them here: https://www.medicareresources.org/enrollment-options/

What things to compare between the different plans offered? Monthly premium; annual deductible; co-pays; co-insurance; max out-of-pocket per year; HMO or PPO plan; network of doctors and hospitals that are in a given plan.

[Dan in Wichita]

Thanks for the advice! I turn 64 next March and it’s time to look at this stuff seriously.

[teofila]

Stay away from Medicare ADVANTAGE Plans. They are NOT medicare. They are private insurance.The carrier you choose is re-imbursed by medicare a set amount for each of its customers.
So, it behooves the private insurance to make sure your medical bills don’t go over the medicare capitation.

Classic Medicare™ + Medex supplemental + medicare part D

Is all you need. (I ad dental coverage for an extra 36 dollars a month)

[teofila]

Medicare Advantage plans are PRIVATE INSURANCE and are approved and regulated by the Centers for Medicare & Medicaid Services (CMS). The Federal government, through CMS, pays Medicare Advantage plans A FIXED OR CAPITATED RATE PER BENEFICIARY provide health benefits to an enrolled individual.

Advantage plans have an incentive not to pay more for you than the capitated rate.

Denying procedures,requiring prior authorization etc are all ways Advantage plans try to not pay for your medical care.

Stick to Medicare Classic™ plus a supplemental to cover the %20 not covered by part B along with Medicare PArt D for Prescriptions..