@catmom777 Call Medicare and ask about billing. My mom is in on Medicare and also has a supplement insurance plan, and a prescription plan, so that pays everything with her medical bills. Medicare providers have to accept the rates that Medicare sets, and I don't think they are allowed to bill the patient. If there was anything else, the Bluecross plan picks it up. Medicare can answer.

Sleep apnea can be a big part of the issues and can contribute to heart disease, so I think you are right linking that to afib. You'll feel a lot better after you address that. A friend of mine had some anxiety being caused by sleep apnea because she was always in fight or flight mode all night when she stopped breathing. She said getting a CPAP machine made a huge difference. She had gone through a hospitalization when they had trouble figuring out what was wrong. Would it help to sleep only half reclined in a recliner until you can get to the cardiologist? It might keep your throat from closing off if you are not laying flat. That's a guess. I don't have sleep apnea.