Pure Medicare has co-pays. That is why people take out so-called Medi-gap polciies from a third party like BCBS, to pay some or all of the deductibles and copays imposed by Medicare.

Yes. But I have a brochure from BCBS that says if I'm on Standard or Basic (PPO) that I don't have copays except for drugs, FEPBlue will cover them. The billing dept from the health group. Normally I get these EOBs (Explanation of Benefits) that show what I might be liable for from Medicare and from BCBS, that always net to zero. In spite of all the effort I went through to understand my healthcare I still am waiting for the shoe to drop where I find out that I amde a huge mistake and cannot afford to have an illness for a year. :)

I'll have to ask them if this is medigap, I don't know. I had no idea what I was doing when I got off the plane. I had a great pharmacist who understood I was bewildered by Medical care and took care of me (I learned from her) and the health clerks at the medical clinics just stuck Medicare in as primary (I had no idea). I figured out how to push my appointments up, but it only dawned on me I might have cancer just before the ENT said we need a biopsy. I had been away for 10 years and PI medical was cheap. I got a cat scan for $100 and an MRI for $225. But I payed for nothing here unless I went to an urgent care clinic.

I got shoved into Medigap, if it is Medigap, because while it said I had to make a choice, the choice was to opt out or not. I did nothing. :)

And still, like most people, I'm not confident I understand it enough. :)

So I had this array of Medigap, Medicare advantage, my own health care plan, and ACA to muddle through. No one selling Blue Cross Blue Shield understands my BCBS plan here. If I call Florida Blue, I understand my plan better than the person I'm talking to. My wife doesn't deal with health plans until after she's one one. :) And not even then.