somarco I will have to disagree with you. MediShare65+ is secondary to Part A and Part B. They only share the Part A deductibles and the Part B deductible plus the 20%. I have never heard of someone having Part A and Part B having to raise money or beg. It just is not true. Millions of people opt out of buying a supplement and do not enroll in a MAPD and only have Part A and Part B and their providers accept that. Never heard of anyone having to prepay their Medicare copays and deductibles before a procedure. I have a Plan G with a little known carrier but when I go to the doctor they ask for my insurance and when they see I have Part A and Part B along with a supplement the staff never ask me for anything else. If I handed them my Medicare card and a MediShare card they would not ask a question either. As long as you have Part A and Part B you are fine so I strongly disagree with your post.