Doctors within a plan’s network vary from plan to plan, so the ability to keep your current doctors depends on which type of Medicare plan you choose (Supplement or Medicare Advantage) and the specific Medicare plan you choose. Regardless of the type of plan you decide upon, RetireMed’s advisors will work with you to ensure that you keep the doctors that are important to you.
Supplement Plans: If your doctor is contracted with Medicare, you will continue to have access to them on a Supplement Plan. Medicare Supplement plans are designed for people to have access to all Medicare providers, regardless of where they live within in the U.S.
Medicare Advantage Plans: First, it is important to know the different types of Medicare Advantage plans available to you. Medicare Advantage plans are network-based programs. There are two types of Medicare Advantage plans: HMO (health maintenance organization) and PPO (preferred provider organization). HMO plans provide you with a network of doctors to choose from. PPO plans allow you to choose doctors both in- and out- of your network.
Medicare Advantage Plans offer large and far-reaching networks. This means that both HMO and PPO networks often include providers in your city, as well as providers throughout your state. Should you spend your winters in another state, several of these plans include programs to cover providers in other areas.