By law all plan F have to have the same benefits. Most doctors like to deal with AARP. In general all the plan D offer all the common drugs. It is the uncommon ones that get you.
If a doctor or hospital accept Medicare assignment they will treat you for what medicare and plan F will pay in full. If they don't accept Medicare assignment they can charge up to a 10% surcharge, but you are still fully covered. If they won't treat you go elsewhere. This is never happened to me.
I with you success with your transplant.
Ray
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