I am confused. If you are on Medicare and also have a supplemental policy plan F, those should be sufficient to cover all your Doctor and hospitalization charges for any illness. If your doctor is charging beyond what they pay he is defrauding you IMHO. I had stage 3 cancer treatment and surgery between 2019 and 2021 for $400,000 and paid $160.00 total for a mistakenly ordered blood test I didn’t want to fight about.
I work part time and have PPO insurance through Home Depot, I also have eye, dental, and life through Home Depot it was much less expensive than Medicare supplemental policies!! Someone on the site brought it to my attention that what I am being charged may be for deductible! I am inclined to think they are correct!!