I hope someone answers this, our phone is ringing off the hook as my husband turns 65 this year. I dont understand any of this stuff. I had no idea you could not pick your doctor on medicare. Might have to research this more. Ive got a 6 figure hospital bill from getting screwed on obama care for the same thing. That was more about timing and I wasnt about to change surgeons just before open heart surgery. After taking care of elderly parents, I would like something that involves care.