I have Medicare advantage with Kaiser in Northern California. I really never had to fight with my insurance company, If I have something they treat it. I pay $91 a month for it, but that includes free membership in a gym And $300 every other year for glasses. My wife pays $70 a month because she doesn’t get the gym or glasses benefit.

I pay five dollars to visit a doctor, sometimes. I do pay around $200 for a PSMA PET test or an MRI. For knee replacement surgery I paid a couple hundred dollars. I do have to pay for drugs, The $2000 Max for Medicare, The $13,000 a month it cost for Darolutamide Paid for it the first month (I got charged a little over $2000), And the rest of my drugs are free for the year. I had surgery on a cyst on my face. It cost me $5.

I have a GU Oncologist To guide my treatment, And she has Acquiesced to almost everything I have requested. I did have a problem with wanting a PSA pet test before my PSA got above .2, But she agreed that once it hit .7, no problem. When Zytiga Started giving me heart issues. She had no problem giving me Darolutamide, even though it was not recognized for the exact cancer status I was at (at the time could not have metastasis to get it).

I’ve had two knees and a hip replaced without issues, My other hip was giving me problems and they agreed to replace it, But going to the gym regularly has made it so that it doesn’t hurt any longer, So I canceled the surgery when they called me to make the surgery appointment.

There is no insurance company per se when I have issues, My doctors work for the insurance company so their decision is what happens.