Keep your doctors by knowing your healthcare plan.
There is no substitute for the amount of trust a patient places in their primary care provider. The amount of peace of mind granted by using one doctor who knows you and your needs is where the only source of comfort comes from when going to the doctor’s office in the first place.
It is essential to know what plan you have. This is your healthcare, and it makes sense to be confident about your coverage and how it works. Each policy comes with plan information and will break down in excruciating detail all of the ins and outs of your plan.
Our job as agents is to listen and ensure you are getting the best coverage for your situation. Keeping a current doctor consistently ranks among the greatest concerns of medicare beneficiaries.
There are two types of coverage. Both have pros and cons, but it is crucial to pin down precisely what you are trying to accomplish with your personal coverage selection.
This one is easy. 98–99% of ALL doctors in the country will accept Original Medicare with a supplement. Not only does this mean you can keep your current doctor, but you are able to travel with your insurance and know it will be there when you need it, wherever you are.
Because these plans work more like group coverage, there are private companies involved. These companies strive to have the most extensive networks available, but sometimes certain doctors and hospitals are not included in the network. Usually, this is not an issue as there are many providers available in most areas to ensure your doctor is available in the network of the MA provider selected.
One might beg the question, why would I not go with a supplement if it is accepted everywhere? A valid question, but with that convenience, a higher price tag is included where MA plans may be more cost-effective with comparable coverage.
If a higher monthly premium is no obstacle and you want peace of mind, a medicare supplement would be, in most cases, the best option. Make sure to select the drug plan that best suits your needs and enjoy insurance freedom.
On the other hand, if a higher monthly premium will create a burden or underwriting is an issue, then the MA plans are a great option it will just require diligence on the part of the agent to ensure they have provided you with the best coverage and all the answers you need.
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