Well, having just had to sign up for Medicare myself, I feel like I was trying to do a 1000 piece puzzle without the picture! I liked what was offered by one plan, and the price was good but oh, now I have to change doctors. And the doctors on their plan are more than 20 miles away. When you are sick, the last thing you want is to spend time traveling. I live within 20 minutes of a very large regional hospital which is also a teaching hospital with lots of doctors and specialists within 10 minutes, but yet they don't accept the plan (is it they are too greedy with fees or is the company too cheap to pay a reasonable fee. Doctors are trained to diagnose and help heal people. Now they need a degree to research each company before they agree to sign on to the plan. When you are "out of Network" guess who gets stuck with the bill? We need a better plan. I am still looking and hoping I can find a better plan that meets me at a reasonable premium and takes my doctors whom I have already established a relationship with. Transferring records is a pain and sometimes our customers "settle" because they don't want the hassles.
Sounds like you don't have a medicare supplement
Rather you have a medicare advantage plan, Probably an HMO as well, Should have doctors within 20 miles though, Maybe not the best doctors but there should be at least a choice.
Everything is a give and take, With med Avantage you exchange some freedom and out of pocket in copays for lower premium and extra's like dental or vision