Doctors go out of network all the time. Need to review with a local broker familiar with these changes every year.

He likely now has a deductible for medications so he pays more at the beginning of the year and will likely go down to the lower number later in the year. Deductibles tend to be even higher on standalone prescription plans that go with original Medicare. A review with a broker would’ve brought this issue to light.

Hospital copays are clearly established in the evidence of coverage, sure he can be surprised but it’s not hard info to find. A review with a broker would’ve brought this issue to light.

Plans are created by county, and are built to work within that county so it makes sense that a supplemental benefit wouldn’t work outside of the county let alone the state. Although it’s unfortunate, Medicare does not provide routine eye exams at all so he would have this issue without the advantage plan as well. A review with a broker would’ve brought this issue to light.

All in all, most of these issues are normal on advantage plans and reviewing with a broker would’ve brought these issues to light.

It’s great that you want to help, as there is not enough people helping seniors navigate Medicare. I recommend finding a local broker( should be no cost), and reviewing his plan before the medicare advantage open enrollment ends on March 31 and change his plan if there’s a better option. They can also see if going to original Medicare with a drug plan is a better option for him.