That has been my experience also. Traditional Medicare and my AARP supplemental ( ( covers the 20%) has served me very well. Once $240.00 deductible at first doc visit of the year and DONE! No copays no need for referral. I call any doc , who takes Medicare ( ALL of mine do… never had to switch docs) and make my own appointment…. NATIONALLY … it’s federal and therefore no network constraints.

Beware on Advantage programs… not every MEDICARE doc takes Medicare advantage.