Appreciate y'all responding. I'm leaning toward an AARP-UHC policy, but mulling whether to pay more for a policy that covers excess charges.

A lot of practices don't accept Medicare assignment. I live near a large public medical school hospital and healthcare system that takes Medicare assignment throughout the system - so don't have to worry about not being able to find a doctor to avoid excess charges. However, it can take months and months to get an appointment with one of their specialty clinics. I don't mind waiting if not urgent - but otherwise....