if your clinic is no longer participating in medicare you can still get your care there but you will need to submit your bills to medicare on your own. in addition the clinic can "balance bill" you which means they can bill you for their expenses beyond what medicare would pay. you can try using your husband's retirement insurance as your primary coverage but most retirement policies act as a supplement to medicare -- meaning they pay after medicare does. more than likely you will need to submit your bills to medicare and wait for payment. your husband's insurance may cover the portion of the bill that exceeds medicare payment rates. i would get further clarification from your clinic that this is how it will work however.
we are in ca. i have medicare primary and am covered under my husband's retirement health insurance as second. however our clinic has informed us that it is dropping medicare. how will that affect me? will i just be able to use my husband's insurance and not use the medicare?