@rjs. You wrote "This forum really needs someone very knowledgeable about Medicare to step in and try to make sense about all this in a more generally helpful way. There seems to be too many variables from one person to another that makes each individual situation unique and also there seems to be quite a bit of simple misinformation."

I will ask if there is someone from Mayo Clinic to come in to our discussions for topics like this. At the present time I think your suggestions are very helpful including contacting the Medicare Rights Center. Do you have a phone number or website to share for this?