Well, that is bad.
I recall my employer plan when I worked (for a good-sized employer with good benefits). It was a hassle. I would go to doctor, doctor would bill insurance company, insurance company would pay me and then I had to pay the doctor. So I had to keep track of it all. And if they changed the plan, we might also be required to change doctors. They did pay dental but dental really doesn't pay much! I also had a significant deductible.
Medicare is much better than my employer health insurance. I have "Original" Medicare with a Medigap policy. I can self-refer to any doctor/specialist in the US that accepts Medicare. I do pay over $300/month for my Medigap plan premium but I never see a bill and have no deductible. And in the last two years I have had so many expensive procedures!
When you go on Medicare don't fall for the Medicare Advantage plans that promise you so much at a low cost, and go with Original Medicare. Advantage plans restrict you to their doctors, you need to be referred to specialists, you have lots of copays and if their specialist is not expert in your problem and you go out of network you will pay $$$$, and you need approvals for everything. Mayo Clinic Oncology has sign and brochure about checking your benefits when you have Medicare Advantage plans and what to do if your insurance company refuses to pay your cancer treatment. Can you imagine! The sign also says that people with original Medicare don't have that problem.