It started like this. Click to enlarge.

Then things went from bad to worse and required a merry-go-round of phone calls to Medicare and other places as well as some on-line research - by me this time instead of letting an insurance agent do it and trusting his word.

These conversations took place only in cartoon form, not on the phone or in person.
Anyway, it's over now and all is well again. Just took a sleepless night and some real effort on my part. You just can't depend on anyone these days, can you?