I thought I had this figured out last year, when I thought I declined Medicare Part B in favor of continuing on my current plan with Kaiser. Since that time I've continued to pay the Kaiser premium (very expensive) and there haven't been any blips in the road until now.
Some of us here have been fortunate to obtain care from different facilities. I've only been able to do this on a referral basis from Kaiser, for clinical trials only. I'm wondering how people have been able to get surgery at one facility, radiation from another, and have their oncologist at yet another facility? Is this Medicare, a PPO, both? I'm so confused. I'm just trying to ensure that I can receive coverage when things get really bumpy... and although individual coverage is costing me an arm and a leg, I wonder if a MediGap plan wouldn't cost the same?
Thanks a million for any enlightenment on this topic. I realize it's a bit personal and private but if anyone can give me a general idea, that would be great. I'm supposed to meet with a health insurance counselor on Monday but this is eating my brain!