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To: oldbeachlvr who wrote (33375)	9/22/2022 10:09:21 AM
From: Rarebird	Respond to of 49874

My understanding is that if Medicare denies payment for a service, the provider has no right to charge you for the service if they accept Medicare to begin with. Now, there is no question that the Mayo Clinic is a top flight clinic with great physicians and they do charge a 15% surcharge that only Plan F and Plan G pay for. I had the option to join Plan F four years ago instead of Plan F, but the monthly premiums for Plan F over Plan G were so much higher that it made no financial sense to join Plan F in spite of the fact that Plan G has a yearly deductible. Outside of the yearly deductible for Plan G, which is $197 this year, the two plans, G and F are identical in terms of what they cover. My only concern about Plan G is that the deductible each year since I have been on it continues to rise. Plus, the monthly premiums for Plan F have continued to rise at a greater rate than Plan G to the point that Plan G made the most financial sense to join. The reason why the monthly premiums for Plan F have increased so much since I went on Medicare was that Plan F was due to end shortly and the supply of Plan F plans were no longer going to exist. I take it you joined Plan F many, many years ago and perhaps the rise in monthly premiums were capped back then; I don't know. What I do know is that since I went on Plan G 4 years ago, near the end of the shell life of Plan F, it made no financial sense to choose Plan F over Plan G or I would have joined Plan F. Every Medicare Advisor I spoke to at the time recommended Plan G over Plan F due to the fact that it was more expensive than Plan G due to the higher monthly premiums even when you factor in the Plan G part B yearly deductible.