Her $0 Advantage Plan Covered Everything — Until the Out-of-Network Surgeon

A 68-year-old retiree in Ohio picked a $0-premium Medicare Advantage HMO at age 65. Three years later, a shoulder tear sent her to the region’s best rotator-cuff surgeon. He was out of network. Her plan’s answer: pick someone on the list or pay for the preferred surgeon herself. That is the trap that can turn ... Her $0 Advantage Plan Covered Everything — Until the Out-of-Network Surgeon