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Many questions come up during the process of choosing a Medicare Plan. A popular and understandable question is “Can I continue seeing my current doctor?” If this is a question that you have pondered, then you need to know which plans will allow you to do so.

There are 2 ways that you can get your Medicare coverage. Original Medicare is administered by the Federal Government. The Medicare Advantage plan (Part C) is a plan that can be obtained by a private insurance company and is approved by Medicare.  Some of you will also be able to choose a “Cost” plan, depending on where you live.

With Standard Medicare you are able to visit any doctor that participates in the Medicare program. You are not limited to a list of doctors that you can see. You are also free to choose your hospital, you will receive care at any hospital nationwide. You don’t even need a referral form to visit a specialist.

Medicare Select plans are somewhat different.  For planned hospital stays, a network hospital is required but you are free to use your own doctor.  The Select plan works the same as the standard Medicare supplements when it comes to emergencies or when you are traveling.

Network hospitals work with the insurance company and the premiums for a Select policy might be 20-25% less than a standard Medicare policy.  The choice is yours!
Medicare Advantage plans and Cost plans both have networks.  It is very important that you check to ensure your doctor is a part of the network before you join.  Some plans may even ask you to select a primary care physician.  You should also be aware that these networks can and do change so it is important to review the network periodically.
As always, we are here to help you navigate these waters. Please feel free to contact us for a no obligation review of your situation.

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