One of your recent articles says “The only difference between Supplement Plans G and N are two small co-pays those on N pay, $20 at a physician office visit, be that a PCP or a Specialist, and $50 at the Emergency Room. Services like Physical Therapy (PT) or allergy injections are not subject to the co-pay.” I’ve been struggling for months trying to decide whether to shift to plan N from F and held off because i have a lot of PT visits. Everything I read in the past just mentioned “office visits”. I’ve called Medicare and was passed around to a number of people. The final gal who answered told me PT visits were considered office visits and were subject to co-pays. Who does one contact at Medicare to get correct answers?