@gregda There just isn't a one size fits all insurance plan. I always recommend to call and ask if insurance is accepted no matter where you go. There is also a list on the Mayo website for what insurance they accept. A lot of the so called "Advantage" plans only offer contracts for care that is limited to a particular state, and patients must live in that state. It's kind of like having an HMO insurance and they give you an approved list of doctors they will cover. It is a contract between a health insurance company and the doctors they recommend. I have also heard that Vanderbilt and Duke are good medical centers. I do know for cardiology, Vanderbilt has done some pioneering work. A friend of mine with a serious congenital heart issue received a heart pump there.