There are 2 main ways to get your Medicare coverage— Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Use these steps to help you decide what coverage you want:
Medicare.gov: the official U.S. government site for Medicare
What is Medicare SELECT? – Go Health Insurance
Medicare SELECT plans offer more affordable supplement coverage. How? SELECT plans negotiate with a provider network of doctors, hospitals, and specialists so they charge less for their medical services. These lower rates keep costs down for the SELECT plan provider, and plan members get lower premiums.
Medicare SELECT Insurance Policy Benefits
* Plan N requires up to a $20 copayment for an office visit and up to a $50 copayment for an emergency room visit ** There is also a high-deductible Plan F *** Your Medicare SELECT plan pays the Medicare Part A inpatient deductible when you use a network hospital (or if you use a non-network hospital for emergency care). Otherwise, you pay the inpatient deductible.
Medicare Select Supplement Insurance
If you are 65 or older, have a Medicare SELECT policy and move out of the plan’s service area or network, you have the right to buy a new Medigap plan (a “guaranteed-issue” right). The plans you can choose from depend on where you live and which plans are sold in your area. Some states extend this guaranteed-issue right to people who are under 65.
Medicare Supplement Plans
Medicare supplement insurance companies can only sell you a standardized Medicare supplement policy identified by letters A through N. Each standardized Medicare supplement insurance policy must offer the same basic benefits, no matter which insurance company sells it. Cost and customer service are usually the only difference between Medicare supplement policies sold by different insurance companies.
Medigap Plan F Vs. Plan F 'Select'
Theresa, If you have Original Medicare and Medigap, you should be able to see any doctor that accepts Medicare assignment (and Medigap F and G will cover your Part B excess charges if you were to see a doctor that did not accept assignment). To help you further we would need to know what type of insurance you currently have (Medicare Advantage, Medigap, job-based insurance, etc). Please call one of our Senior65 licensed independent insurance agents at 800-930-7956. -Chris from https://www.senior65.com/