My husband had to be hospitalized for 7 days. The hospital financial services dept. advised me to apply for medical because of the cost after Medicare I did with help and then when I saw my doctor for my appointment and mentioned I know had medical too I was told I know have to go to the clinic to see him this will mean alonger waiting time and I do not want to leave my husband for to long a time as he neeeds someone here can any one explain this to me I thought that I now have Medicare with medical as a secondary insurance