You bring up an interesting point that most folks don't understand. The reason docs don't like seeing folks over 65 is because once we are on Medicare, the reimbursements from the govt. via Medicare is much less than the doc receives for a younger patient on traditional insurance via their employer plan. It's really night and day, so providers typically lose money on Medicare patients and make their money on those under 65. It's called cost shifting, so employers are in effect subsidizing low reimbursements via Medicare. 99% of people don't know this, only reason I do is because I was an Insurance executive and consultant until I recently retired. Sad that docs are dropping older folks but thats the reason. Best of luck to you!