If you think I am being rude to you it's because I am offended by your continued attempts to disprove the facts about insurance-related matters in spite of multiple experienced, licensed agents taking the time to explain, as I have, that you are wrong.
I've been licensed for 11 years and have gleaned enormous amounts of good information on these forums in the past few years and believe I have also contributed good information as well. I have no interest in arguing about things and had you on ignore for quite a long time until your comments were quoted on this thread.
Rather than being argumentative and posting links to Medicare rules that you think supports your position it might be more appropriate (as well as more informative for you) to ask an experienced agent why something is so rather than try to prove you are right.
Your contention on this thread that the Part B deductible is covered by the HDF plan is just one of those situations-the plan is written in a way to suggest that is the case but it is, as two of us have explained, impossible to occur in the real world.
Insurance agents practice in the real world with clients, it would do us no good (and much potential harm) to inform a client that the Part B deductible is covered by the HDF and then have to take the phone call from the client three weeks later asking why they had to pay full price for their first office visit of the year, which virtually every consumer would think means they would only pay the 20% coinsurance rather than the deductible first.
The equivalent of what you are doing is for me to register on an attorney or CPA forum and try to appear as an expert. Even though I have an MBA it's something I would never consider although I use both services for both my business and personal matters and think I have a pretty good understanding of things related to these topics (at least how they impact my affairs).
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