Hi @sita I think the frequently asked questions can be a little confusing. I think @tinkerbell is correct but you can easily call the Arizona Mayo Campus and talk with the billing and insurance. They can probably explain and answer your questions much better than trying to understand some of the wording on the page. I think it's just more of hastle that you get the money from Medicare and secondary insurance then you pay the Mayo bill...and what ever amount over what Medicare covers that they charge.

John