I had it since before I retired and continued it on into retirement, and it’s always paid everything of the leftover 20%.
I’ve paid no copays for office visits nor have I ever been billed anything for any of the times I’ve been in the hospital since retiring (4 times). It is very expensive but plannable and manageable and I don’t have to worry about what ifs....
I’ll be going with Plan N. It requires $20 co-pays for office visits. With $500 annual premium savings over Plan G, I would have to pay for 25 office visits per year at $20/visit before matching the Plan G premiums. I can live with that.