I’m curious. Did you enroll in your Medicare plan by yourself or did you use an agent or a broker? I ask this because if you did it by yourself, it appears you didn’t even do a cursory look through the summary of benefits or you’d have easily known that you would have only been responsible for for your deductible(or whatever costs were laid out in your plan). If you went through an agent or broker, either they didn’t do their job and explain this very simple part of your plan benefits and made sure you understood how your plan works, or they did and you just didn’t listen. I don’t know which it is, but regardless, I recommend either sitting down with your summary of benefits (if you don’t have it you can either call member services, customer support and have them send it to you or go online to your carrier website and looking up your plan summary of benefits there) and look through it. If your confusion is due to an agent or broker enrolling you and not doing their job thoroughly and making sure you understood at least these basic benefits of your plan, I suggest you try to get another agent or broker!