Ever checked your Medicare plan, found your doctor listed, booked an appointment—then got hit with a surprise 'out-of-network' bill at the office? Welcome to the world of 'Ghost Networks.' Insurers are quietly narrowing networks, and you might not know until you’re in the waiting room. From mid-year provider dropouts to sneaky facility fees and tiered co-pays, these six hidden changes are catching everyone off guard. Pro tip: double-check with your provider before every visit, and if you get burned, you might qualify for a plan switch! #Health #BodyHealth #Medicare