[Zeke]

Your doctors will have to be in the plan. Otherwise you see who they tell you to see. Medicare alone doesn't have any restrictions on what doc you see as long as they agree to take the agreed Medicare payment. 2nd opinions are covered.

Part A: Hospital coverage, no cost, but there will be copayments that a medigap policy will pay most of.

Part B: Doctor visits, diagnostics, etc. Even out patient surgery.

Part C: You've joined an HMO so you have no B. The Medicare fee that would normally be deducted from your SS is, in most cases, waved. Instead, Medicare sends up to $900 to your HMO monthly and from that point on, Medicare is off the hook. Your Part A is transferred to the HMO as well.

Part D: Drug coverage. It's complicated.

A lot of this can have serious implications if you're out of your service area. Worse if out of the country. Buy travel heath ins including air ambulance coverage when out of the country. Within the US, but away from home, if you have Plan C (Medicare Advantage) you may have trouble getting cleared for medical payment in an emergency. Look into that before signing up.