There are two main types of supplemental coverage for Medicare: Medigap, (Medicare Supplement Insurance) or Medicare Advantage, (Part C of Medicare). One way you can begin to narrow down your Medicare Insurance options is to find out which plans your doctors accept.
You will start by contacting each doctor's offices and ask them a few questions:
First, do you participate in original Medicare? If yes, you will be able to enroll in any Medigap plan and be able to see your doctor. The majority of doctors participate in Medicare.
If they take original Medicare, ask if they accept Assignment. If they accept Assignment you will not have to worry about the extra, (up to 15% more), they can charge if they do not accept Assignment.
Secondly ask, do you take any Medicare Advantage plans? If so, which plans are you in the network with? You will want to write these down, and be sure and ask about each one if it’s an HMO or PPO network.
If your doctors answers no to the second question, then Medicare Advantage will not be a good option for you unless you’re willing to change that doctor.
For some seniors their Primary Care Physician is the most important to them. For others, Specialists may be the most important, because they may not see their PCP very often during the year. If you are willing to change all doctors than these questions don’t even matter.
This is just the start of the process to choose which type plan will be the plan for you. Feel free to call me and let me help you through this process.
Sonia Ashford is an independent insurance agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage and Medicare supplement insurance to consumers in Tarrant County. A respected agent within the Medicare insurance industry, she is the owner of Ashford Insurance Services. Visit Sonia's agency website at http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.