@mingyue Mayo Clinic is costly. You could try working with their financial people to reduce charges when paying out of pocket. I couldn't use Mayo if not for Medicare and only a 3+hour drive from home. Mayo does not accept Medicare Advantage, just standard A&B Medicare and supplemental insurance such as UHC Plans.

@mingyue, please contact Mayo Clinic Insurance. They can help address your questions about coverage when comint to Mayo Clinic

Mayo Clinic Insurance Overview https://www.mayoclinic.org/billing-insurance/insurance
Contact info https://www.mayoclinic.org/billing-insurance/contact-us

@mingyue I wish that we did not even have to think about insurance, we all deserve the very best medical care available. Yes, insurance is a big issue and causes extra stress and anxiety in dealing with our medical issues and life in general. May I suggest calling both your insurance company and more importantly, Mayo. My Medicare Advantage Plan is what my former employer chose for their retirees - and it was accepted because it was employer sponsored. My point is that it is prudent to check and know for sure before making final decisions.