In our opinion, this factor of a Medicare Advantage Plans can be the biggest issue. With some Medical providers accepting Medicare Advantage and some not, it can be confusing. Add in that there are insurance carriers that offer both Medicare Advantage Plans and Medicare Supplement, that can add to the confusion.
With a Medicare Advantage Plan, you have a limited network based on where you live. If you’re out of town and not able to go to your network providers, only Emergency services will be covered. Compare this to Original Medicare with a Medicare Supplement plan where you have no network and your plan is accepted Nationwide, you can see which plan offers more freedom of choice, which you will pay for.
There are currently 40 different Medicare Advantage Plans available in San Diego county. Choosing the most appropriate plan you want to ensure that any providers you want to see or use are not only in the specific network but also in the same medical group. If the providers are in different medical groups, they will not be able to refer to each other. This is very important!!
The best and easiest way to check providers in network is to either call the plan your thinking of joining, looking online at their provider directory or, you can work with us! We can help you find the plan that ticks all the boxes.