Just to recap on Medicare: Medicare part A and Part B is accepted by Mayo Clinics. If you have a supplement to cover what Medicare doesn’t pay, great. Mayo will process that as well. I have an “N” plan which is basically a “G” or “F” plan but $200 per year cheaper however I usually (not always) pay a $20 co-pay per office visit. Do the math if you are relatively healthy.
An “Advantage” plan however is actually an agreement between private healthcare networks and Medicare to take over 100% of Medicare involvement for each patient. The Advantage company handles billing, hospital, you name it and Medicare supplements the Advantage company for it’s services. Win-Win except perhaps for the patient who may need services outside of the Advantage HMO / Network. It is far less costly than part B and a supplement and in some places actually free to the Advantage subscribers. The problems begin when you ask another facility not in the Advantage Network to mind your healthcare. You get what you pay for. Just don’t expect someplace else to accept your Advantage. You have no agreement with anyplace else other than your Advantage company and with whom they have made cost sharing agreements.
If you have an Advantage plan, you don’t have traditional Medicare no matter what the advertisers or insurance brokers tell you.