We recently received a letter from Mayo Clinic advising us they do not accept Medicare Advantage plans, only regular Medicare. We are blessed to have regular Medicare A & B and our secondary is Tricare for Life, the coverage my husband and I get as a benefit from being retired Coast Guard. These two plans covered his transplant and pre and post coverage 100%, Medicare 80% Tricare 20%. No deductible, no co-pay. We get our meds from Express Script, as part of the Tricare program and that does have a deductible and co-pay, that continues to increase each year. In the last 12 months his cost for meds has been $1,981.84.
Ask your provider's billing staff what plans they accept and which they think is better. When looking for coverage for my parents I found that very helpful. They know not just which plans say you are covered for certain things but actually pay for them. I was told some plans say they have certain things but the pre-approval process makes it almost impossible to get them. Good Luck.