I worked closely with Medicare for 32 years. Most doctors and hospitals accept Medicare coverage. What would we do without it? It became law in 1966. It does not pay for all medical bills. Very quickly private insurance companies jumped on the wagon to sell insurance to cover in part those bills that Medicare did cover. Boy are they slick. Medicare pays 80% of part B Covered expenses. Private insurance at most pays for 20% of the part B covered expenses. Private insurance costs at least 1 1/2 times what Medicare costs and only pays 20% . Their administrative costs are very low as Medicare has determined coverage and what 80% is All they need to do is cut a check. AARP is nothing but an insurance company that advocates for its companies. They will collect your dues to advocate for their selves. There is a sucker born every minute.