Government Medicare A & B allows you to go to any doctor in any hospital, which is a positive. But there is NO maximum out-of-pocket that you can pay in a year if you only have government Medicare a and B. All Medicare advantage plans give you the financial security of a maximum annual out-of-pocket. If you need help with Medicare insurance book a free appointment at www.themedicarefamily.com. We are licensed and all 50 states. Yes ma’am yep I’m leaving. Click here for my FREE cheat sheet, works