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@jenniferhunter

@lilianna I'm sorry Mayo doesn't take your insurance. There are issues with the so called "advantage" plans. They limit the list of physicians they will cover to those within their own network which is a contract between them and the providers. They may also limit coverage to their list only within the state where you live. My physical therapist will not take advantage plans because they are always reviewing care after the fact if they had covered it, and they will reverse a decision and come back to the provider for reimbursement of money they had already paid out. That is too big a risk for a provider to accept particularly in a very small PT clinic. Places like Mayo with huge operating costs also need to make sure they will be able to pay their employees. before I chose my Medicare and insurance plans, I called the Mayo Billing office to make sure what I selected would be good at Mayo if I need care there in the future. I have been a surgical patient there, and would come back if I need care for a complex issue. When the next enrollment period comes around, you could select insurance that Mayo would also accept.

You might be interested in this discussion about these insurance issues.
Vising Mayo Clinic - "Choosing best insurance and insurance at Mayo"
https://connect.mayoclinic.org/discussion/insurance-2/

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Replies to "@lilianna I'm sorry Mayo doesn't take your insurance. There are issues with the so called "advantage"..."

Thanks for again explaining the situation with Medicare Advantage plans. When one first goes on Medicare it is a bit confusing to understand the differences.
Most important to understand is that with original/traditional Medicare (Parts A, B) one can self-refer to any doctor in the US that takes Medicare. One loses choice and is restricted by Medicare Advantage to their network. And that is a problem when one gets sick.
The second biggest issue that if one thinks to change back to original Medicare because unhappy with Advantage, then it is quite difficult to find the insurance for the 20% that Medicare does not pay. In the beginning all companies have to take you, but not after. People are then stuck with Advantage plan.
I fortunately went with Original Medicare + my Medigap supplemental plan because I now really use it and I have no problems and never see a bill except my monthly insurance premium. I have been a patient at Mayo Rochester for 2.5 years with and have seen multiple doctors in several departments.