Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones?

Question

Mary Turner · Accepted Answer

You may or may not keep your current doctor's when switching to a Medicare advantage plan. Some HMO's and PPO's have extensive networks and your doctors may all participate. If you decide on an HMO you just stay in network. PPO's allow you to go out of network though your cost may be higher.

Answered by Mary Turner on March 28, 2025

Broker Licensed in FL

Answered by Mary Turner Medicare Insurance Agent

Gary Church · Answer

Not necessary! Check with your doctor and the Medical Group to ensure the Medicare Advantage plan is in-network.

Steve and Sue Brauer · Answer

So the question is, can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones? Well, that all depends. It depends if your doctors are in the Medicare Advantage network. It depends if they accept Medicare, or specifically, the technical term for it is, do they accept Medicare assignment? If that's true, then you need to find, or if you have a Medicare advisor that you work with that only does Medicare, that's the person that you need to help you find out, because some doctors are in the network, some are not. And it's just a matter of really strategizing what works for you.

Mike Alexander · Answer

Its best to use a trusted advisor or use medicare.gov  to make sure your Doctors are in the plans network.
Also call your doctor

Norman Smith · Answer

Ahhhh… but that is the true concern isn’t it! So here’s the proper answer:

Maybe!!!

Your Doctor may today accept your Medicare Advantage plan. You’d have to check with the office to see which they will accept and which they won’t, IF THEY ACCEPT THEM AT ALL!!! 
The other concern is EVEN IF he/she accepts them today, with the consistent changes in the Medicare program allowances, your office may elect to NOT accept any MA plans in the future.
So if having your Doctor is a major concern, if choosing any doctor and having the complete control of your health care moving forward is important to you, and that wherever you are in the USA that you have the CHOICE OF YOUR MEDICAL PROFESSIONAL, and to have coverage at the BEST FACILITIES IN THE COUNTRY BECAUSE YOU CAN, then keep your Original Medicare and get the best Supplement plan you can. 

During Open Enrollment it is the ONLY TIME you will choose your Medical coverage with NO UNDERWRITING!!! So I encourage you to get it right now!

William Lawler · Answer

Before you switch to a Medicare Advantage plan, have your agent find out which Advantage plans are accepted by your doctors. All Advantage plans are different. Bill, contact me.

Terri Reagin · Answer

It depends on whether or not your doctors are in the network with the advantage plan you are considering. Contact your local agent to look those up for you.

Voss Speros · Answer

Medicare question: If I'm on an Advantage plan and I change to another Advantage plan, can I keep my doctors or do I have to change doctors?

So that's a good question. You can keep your doctors. When we change plans for another Advantage plan, we're going to double-check to see if your doctors are in network. Now, if your doctors are in a network and you're moving for the benefits, then yes, you will have to change your provider that you're working with. Some might be in network, some might not be, but if they're not, then yes, you have to change your doctors.

And there's some plans coming out this year that are really good. They are offering great benefits. Usually, some of the newer companies that come out have decent benefits, really low co-payments, and add some extra perks, which is nice. But the low co-payments are what we're kind of getting after. If you move to one of those, you might have to change your doctor.

But most of the time, as a broker, when we sit down with you, we're going to review your current doctors to see if they're in other plans, and then we're going to find something that kind of works for you. So it's hit and miss. If you have any questions, give us a call or send a broker. We're out to help you out. Have a good day!

Bill Wheeler · Answer

Yes , you may keep your doctor, but it depends on the plan (such ad a HMO) and if they are in network. A PPO plan will allow you to see your doctor and other's who except medicare and the plans terms.

Answered by Bill Wheeler on May 27, 2025

Broker Licensed in KY & IN

Answered by Bill Wheeler Medicare Insurance Agent

Tony Capraro III · Answer

You'll have to use the DR's that are part of the Medicare Advantage Plan-you can easily check with Dr's and Hospitals to see if they're part of the Medicare Advantage plan you are looking to switch to. Have you looked into Medicare Supplement/Medigap-you'd be able to see any Dr that accepts Medicare!

Answered by Tony Capraro III on April 3, 2025

Agent Licensed in NH & ME

Answered by Tony Capraro III Medicare Insurance Agent

Christy Jones · Answer

You can absolutely keep your same doctors as long as they are contracted with that Medicare Advantage plan. It’s important to look at the plan specific physician directory when choosing and researching Medicare Advantage plans. Many doctors contract with both MA plans as well as Original Medicare.

Answered by Christy Jones on September 2, 2025

Broker Licensed in ID, AL, AR & 20 other states

Answered by Christy Jones Medicare Insurance Agent

Shelly Hefley · Answer

That completely depends on the Advantage plan and their network. Each plan has different networks of doctors. Definitely talk to a local agent before you make that switch. Depending on your location there are a lot of things to consider if you’re currently on a supplement.

Answered by Shelly Hefley on September 21, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

Justin Doherty · Answer

That all depends on which plan you choose. You may be able to keep your current doctors if you choose the right plan. However, you'll need to check to make sure each of your doctors is accepted by the plan. Sometimes, even in the same doctors office, only one or two doctors will accept a plan and the rest may not.

Answered by Justin Doherty on September 26, 2025

Broker Licensed in PA, CO, CT & 11 other states

Answered by Justin Doherty Medicare Insurance Agent

Nick Mangini · Answer

You always need to make sure your doctors are in-network on the Advantage Plan. Otherwise you will have to find a new plan that works for you or might need to find new doctors depending on what's more important to you. The best way to never have to deal with networks is to get a Supplement Plan instead! That is why we recommend medigap plans!

Answered by Nick Mangini on August 24, 2025

Broker Licensed in FL, AL, AZ & 32 other states

Answered by Nick Mangini Medicare Insurance Agent

Melonie Wood · Answer

Whether you can keep your current doctors with a Medicare Advantage plan depends on whether they participate in the plan's network and if you choose a plan that allows you to see out-of-network doctors (PPO).

Answered by Melonie Wood on April 4, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Cody Biggs · Answer

It depends on whether your current doctors are in the network for the Medicare Advantage plan you’re considering. Unlike Original Medicare plus a supplement, Medicare Advantage plans use managed-care networks—so some doctors will be in-network, some out-of-network, and some not accept the plan at all.

If your doctors are in-network, you can keep seeing them with standard copays. But if they’re not, you may pay much more or may not be able to see them under the plan. The safest move is to check each doctor before you enroll so you know exactly what your access will look like.

Marsha Reiniers · Answer

Medicare Advantage plans are managed care plans and have many physicians who are in network, so you will have a wide range of doctors and specialists to choose from. If you prefer to stay with your current doctor, make sure he or she is in network for the plan you select. Note: A PPO plan will allow you to see a doctor outside of the plan's network, usually at a higher co pay, however, that doctor must first agree to accept your PPO plan. It is very important to do your research and to enlist an agent who will help ensure your plan meets your specific needs.

Answered by Marsha Reiniers on April 21, 2025

Agent Licensed in FL, GA, MI & NC, PA, SC & VA

Answered by Marsha Reiniers Medicare Insurance Agent

Donnie Vermillion · Answer

If you sign up for an Medicare Advantage HMO plan you will have to stay in network. If your current doctors are in that plans network then yes you can still see your doctors. 

If you sign up for a Medicare Advantage PPO plan you can go out of network but it will cost you more. 

Its important to get with an Independent Broker and have them verify that your doctors are in network and prescriptions covered for the plan you are thinking of signing up for. 

Your plan needs to be reviewed yearly because the plans change every year. Whats right for this year may no be the right plan for you next year.

Sherry Rose · Answer

When switching to a Medicare Advantage plan, it is important to ensure your doctors are in the network of the particular company. Please contact our office to further answer your question.

Edward MacConnell · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/can-i-keep-seeing-my-current-doctors-if-i-switch-to-a-medicare-advantage-plan-or-do-i-have-to-find-new-ones#edward-macconnell

Randall Taylor · Answer

It's possible you might need to change doctors. Not every doctor accepts every plan. This means, if they don't accept the plan then the doctor(s) is/are NOT IN NETWORK. With a PPO, you can go out-of network, but you will pay higher out-of-pocket costs (copays, deductibles). With an HMO, generally, the out-of-network option doesn't even exist. This means, in most cases, you would pay 100% for the medical service/appointment and your plan would pay nothing. And lastly, Medicare Advantage plans change every year. One of the consequences of this is that your current plan may not be accepted by your current doctor(s) for the following calendar year.

Answered by Randall Taylor on April 30, 2025

Broker Licensed in TX, MI & WI

Answered by Randall Taylor Medicare Insurance Agent

Esther Miller · Answer

Every Medicare Advantage Plan is updated during the Annual Enrollment Season for the next year. OCT 15 thru DEC 7th. This is a perfect time to shop and compare with your agent to get the best plan that has the coverage you want, including the doctors you are currently seeing.

Answered by Esther Miller on August 18, 2025

Agent Licensed in WA

Answered by Esther Miller Medicare Insurance Agent

Lilyana Uzdenova-Gomez · Answer

Most Medicare Advantage plans have network restrictions with HMO plans being most restrictive and PPO plans being more flexible. If you join an HMO Medicare advantage plan and your doctor is not in the plan’s network you will have to pay for 100% of the cost of that visit. If you join a PPO plan and the doctor is not in the network you may still be able to see the doctor if he bills your insurance, but your cost may be higher than it would be if you chose a network provider. 
  Ultimately, if your doctor is very important to you, make sure he is a part of the network or bills your insurance. Keep in mind that networks can change and doctors are not guaranteed to remain in the network.

Ryan George · Answer

You can! You need to check with your provider/preferred hospital network to make sure, but as long as they are in network, you can continue to see them. Just be sure to remind your doctor, pharmacy, etc. next time you see them.

Answered by Ryan George on March 23, 2026

Broker Licensed in PA, AK, AL & 49 other states

Answered by Ryan George Medicare Insurance Agent

Joanna Finnegan · Answer

As long as your current doctors are in the Medicare Advantage plan network, you can still see those doctors. If your current doctors are not apart of the Medicare Advantage plan network, you will need to find new doctors. Always check with the Medicare Advantage plan to see if your doctors are covered prior to enrolling.

Answered by Joanna Finnegan on August 6, 2025

Broker Licensed in ID, AR, AZ & 31 other states

Answered by Joanna Finnegan Medicare Insurance Agent

Rodney Powell · Answer

Short answer: maybe — but you have to check first.

With a Medicare Advantage plan, everything hinges on the network. Before enrolling, a good independent Medicare broker should help you confirm two critical things up front:

•  Are your prescription drugs covered?

•  Are the doctors you trust in the plan’s network?

Depending on how many doctors you see — and which health systems they’re associated with — that may or may not work out. There are no perfect Medicare plans, but there are solid ones. That said, if your “must-keep” list of doctors is long, asking a Medicare Advantage plan to accommodate all of them can be a tall order.

If network access is a concern, a PPO may be an option if one is available in your area. PPOs offer more flexibility but usually come with higher costs when you go outside the network. All else being equal, most beneficiaries do best with an HMO that has a large, well-established provider network.

The bottom line: don’t assume — verify. Checking your doctors before you enroll can save you a lot of frustration later.

Cody Hebden, MBA, CLU, FLMI · Answer

Maybe! I love when I get to answer a question with a "yes" and a "no". Since Medicare Advantage plans are "managed care" plans, you may be restricted by a plan provider's network (of doctors and facilities) or the type of network (ie. HMO vs. PPO). This is why it is important to verify if your doctor is in-network for any plan you may be interested in. If the doctor is out-of-network, depending on the plan, you may or may not have any insurance coverage to see that doctor - resulting in significantly more out of pocket expenses.

Answered by Cody Hebden, MBA, CLU, FLMI on August 13, 2025

Broker Licensed in NC & SC

Answered by Cody Hebden, MBA, CLU, FLMI Medicare Insurance Agent

Mariela Arana · Answer

It depends on whether , or not your doctors are in the same medical group. I advise to always provide all doctors names, addresses and phone numbers. Usually, I will spend time doing research to make sure things align to avoid issues. If a doctor is not in network, I would advise of this and we could determine whether, or not that is a vital doctor to keep.

Answered by Mariela Arana on September 1, 2025

Agent Licensed in CA, AL, AZ & 8 other states

Answered by Mariela Arana Medicare Insurance Agent

Mark Sannes · Answer

Normally, yes! If you are on a Medicare Supplement Plan, you can see 95% of all doctors in the US as they take Medicare Assignment. IF you are on a Medicare Advantage HMO plan, you will need to go to their contracted providers to get the best costs. Medicare Advantage plans do offer Worldwide Emergency and Urgent Care coverage as well. We can help review which doctors are contracted with which carrier plans, making it easy for you to make plan decisions.

Answered by Mark Sannes on March 5, 2026

Broker Licensed in WA, AK, AZ & 11 other states

Answered by Mark Sannes Medicare Insurance Agent

Derek Rogers · Answer

That depends on the Medicare Advantage plan that you switch into.  I would recommend that you make sure the doctors that you're using accept the plan you're thinking of joining.

Otherwise, you will have to switch to new doctors if the doctors that you use aren't in the new plan's network.

Joseph Lipski · Answer

Yes, you can continue to see your doctors. If you switch to a Medicare advantage plan providing the doctors are in the network, or if they will accept a PPO.

With an HMO, your doctors have to be in the network. If not, then you have to get new doctors or you have to get another plan.

Donna Lueders · Answer

If you switch to a Medicare Advantage plan, you can always be proactive and ask your current doctors if they accept that particular plan. The alternative would be to ask what Medicare Advantage plans do they accept and make a selection from there. Please be mindful there's no guarantee that even if the doctors are in network when you switch, they may not stay in-network or renew the carrier's contract mid-year.

Answered by Donna Lueders on May 11, 2026

Broker Licensed in FL, GA, LA, NC & SC

Answered by Donna Lueders Medicare Insurance Agent

Robert Fracchia · Answer

More than likely, you can keep your current doctors. It is always best for your agent to double-check to see that all of your doctors are in network.

Alison Hummel · Answer

Yes, but you have to make sure that all your doctors are within the network. If you have a PPO, you likely have out-of-network access to doctors and hospitals at a higher cost.

Jonathan Paddon · Answer

That depends on if your current doctors are in-network with the Medicare Advantage plan. An independent agent that works with multiple companies can look up your doctors and tell you if there is a plan in your area that would have all of them in-network.

Answered by Jonathan Paddon on November 3, 2025

Agent Licensed in TN, AL, FL, GA, IL & MS

Answered by Jonathan Paddon Medicare Insurance Agent

Barry Baker · Answer

Check with the new plan you are switching to. Ask if your current doctor is in that network, if he is you will not need to find a new doctor.

Mark Holmes · Answer

That depends on their accepted networks. The smartest approach is backwards. Contact the doctor's office and inquire which plans are accepted before making any decisions, and certainly before dropping any current coverage.

Answered by Mark Holmes on March 9, 2026

Broker Licensed in FL, AL, AZ & GA, MI, TN & TX

Answered by Mark Holmes Medicare Insurance Agent

Krissy Tenhagen · Answer

If your doctor is in network with the carrier and plan you enroll in, you can still see your current doctors. If the plan is an HMO, your doctor must be in network in order to be covered by the plan. If they are not, you would need to seek another provider. 
If the plan a PPO or HMO-POS, the plan MAY allow out-of-network coverage. However, you will want to know about any out-of-network limitations, higher copays and cost-share costs (if any), and how you will be billed.

Before you select a MA plan and enroll:
	- know what carriers and plans each of your doctors participates with BEFORE you enroll.
	- Ensure all of your medications are on the formulary of selected plan
	- Ensure your other healthcare services and needs are covered like labs, any therapies, pharmacy, and hospitals.

Working with a caring, knowledgeable Medicare broker will ensure these questions and more are thoroughly reviewed for you. However, if you'd rather attempt finding a plan on your own, it's recommended you explore your plan options and coverage on medicare.gov.

Steven Bleicher · Answer

Should any of your current doctors be registered in the Advantage plan of your choice (during the next Annual Open Enrollment period in the fall for a 1/1/26 effective date), they are yours to retain. Though I have found that, for example, if a client has 5 doctors that they want to keep, 2 will be in one network and the rest will be in another one. At that point, you must decide which of those doctors are more important to you, whether it is the 3-doc network or the 2-doc network.

Answered by Steven Bleicher on May 2, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

It depends. If you purchase a Medicare Advantage on a HMO network and your Doctor is not in the network, then yes you would for that Medicare Advantage plan. If your on a Medicare Advantage plan with a PPO network, then no you would not be required to change your Primary Care Doctor, however if said Doctor in not in network on your Medicare Advantage plan, then it would likely increase your copay or % coinsurance. Thank you.


Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Steve Houchens · Answer

That would depend completely on whether or not your doctors would take the plan that you choose. And the smart thing to do would be to pick a plan that your doctors except.

Jim Tretola · Answer

It all depends on whether they are in the Advantage Network, and if not, what the added costs will be if they are out-of-network. You can always continue to see your Doctor, but it may cost you more. If always seeing your doctor is a priority, and you can afford the Premium, you may want to consider Medigap Plans.

Answered by Jim Tretola on October 25, 2025

Broker Licensed in NJ, CA, CT & 6 other states

Answered by Jim Tretola Medicare Insurance Agent

Ron Cronwell · Answer

There are two primary types of Medicare Advantage Plans. 1) HMO and 2) PPO. 

For the HMO type, those plans have a list of in-network doctors and medical facilities. Under the HMO style an enrollee is required to use an in-network doctor or facility to get coverage. Going to an out 0f network providers mostly results in the enrollee paying out of pocket for the services. For HMO's the service area can be nation wide, or reduced down to a county or few. Check with each plan for specifics. 

For the PPO style of plan, it has both an in-network provider list and an out of network copay list. Using the in-network providers generally have a much lower copy than going to an out of network provider. The areas of coverage also can be different. Usually one can go to any provider that takes Medicare and they will take a PPO as out of network. Again, check with the individual plan to determine specifics.

To get the best help, find a local agent you are comfortable with and have them address your individual situation.

Kristen Skinner · Answer

You need to make sure your Advantage plan is in network with your doctors. You can usually look them up in the plans directory.

Barbara Barnes, CMIP® · Answer

You will need to find out if your doctor accepts your new Medicare advantage plan. The easiest way to do this is to call the doctors office and tell them what plan you have and ask if they participate in that plan. you can also do this before you choose your plan, to be sure that you will have continuous access to the doctor you want. Not every doctor is accepted by every plan. you need to do this with both your primary care physician and every specialist that you wish to see. You should also check with the insurance company to learn which hospitals are participating with their plan.

Answered by Barbara Barnes, CMIP® on July 16, 2025

Agent Licensed in PA

Answered by Barbara Barnes, CMIP® Medicare Insurance Agent

Priscilla Ramos · Answer

You can keep your doctors only if they’re in the plan’s network.
HMO: must use in-network doctors (except emergencies)
PPO: can go out-of-network, but costs more
Always check your doctors before enrolling.

Kris Moen · Answer

Just because your doctor takes Medicare doesn’t mean they take your Advantage plan—you’ve gotta check the fine print.

James Stang · Answer

That depends on your plan and your provider. If you enroll in a HMO, your provider would need to be in network in most cases. A PPO plan would allow you to see non-network providers if they are willing to bill the carrier and there is sometimes a higher cost.

Answered by James Stang on June 1, 2025

Agent Licensed in OH

Answered by James Stang Medicare Insurance Agent

Dana Dane · Answer

If you work with an agent they can look up your health care providers to check in-network providers. If you are taking medications, please check to make sure they are covered and how much they would cost you.

Answered by Dana Dane on May 12, 2025

Agent Licensed in OR, AZ, CA & 6 other states

Answered by Dana Dane Medicare Insurance Agent

Chad Watkins · Answer

With Medicare Advantage plans, you will want to check if your doctor is in network as that will provide you with the lowest copay. You can always use an out-of-network doctor, but your copay may be higher possibly even costing you 100% out-of-pocket.

Answered by Chad Watkins on May 16, 2025

Agent Licensed in NJ, AK, AL & 48 other states

Answered by Chad Watkins Medicare Insurance Agent

Steven A James, MBA · Answer

Before you make any changes, you do need to notify/confirm with all your providers if they would accept the proposed Medicare Advantage Plan (MAPD).

Depending on where you reside, the MAPD network may be more than adequate to meet your needs.  If any or all your providers aren't in the network, you may simply decide to remain in your current coverage.

Steven James
Contact me.

Cleo Martin · Answer

If they are in your network, then yes you can. Otherwise you will have to find new ones that are in the network. When looking for a MA , you should check to see if your doctors are in their network. Makes it an easier transition.

Answered by Cleo Martin on June 8, 2025

Agent Licensed in SC, FL, GA, MI & NC

Answered by Cleo Martin Medicare Insurance Agent

Barbara Patterson, CFP · Answer

If your doctors are in the network of your new plan you can still see them.  If they are not you cannot see them.

Lea Vollmer · Answer

Your agent should do a doctor look-up and present the plans that your doctors accept.  Remember, doctors can change their minds and no longer accept certain plans. However, they must notify you.

David Haynes · Answer

This depends on the plan. It pays to shop around and it is quite possible,(but not a certainty) that your doctors will be on a plan that is right for you. If not, then yes, there may need to be changes made to some of the providers. Some people with the means to do so will stick with a doctor that is not in network but will likely have to pay the full price for service.

Answered by David Haynes on September 22, 2025

Broker Licensed in TX

Answered by David Haynes Medicare Insurance Agent

Brianna Douros · Answer

Hey y'all, Brianna here, your favorite life and health insurance agent and owner of Be Real Insurer, bringing you real solutions. So yeah, we're gonna go over three questions that I want you to ask yourself, whether you're new to Medicare and considering a Medicare Advantage plan, or if you're reviewing your current Medicare Advantage plan during the annual open enrollment period.

The first thing that I want you to ask yourself is, are my doctors in network with this Medicare Advantage plan? It's going to include your primary care doctor and any specialists that you're seeing.

And the second thing that I want you to ask yourself is, are my prescriptions going to be covered under this Medicare Advantage plan and at a reasonable cost, along with my pharmacy? Is that going to be in network?

And the third thing that I want you to ask yourself is, what kind of extra benefits, such as dental, vision, or hearing services, do I need? Not all Medicare Advantage plans are going to cover these services, and some only at a certain extent. So it is important to know your needs.

If you're still unsure how to answer these questions or if you need any guidance while reviewing your options, I would be happy to walk you through that at no cost. Medicare doesn't have to be overwhelming, y'all. I hope that helps. And if you have any questions, don't hesitate to reach out to me. Until next time, y'all keep it real.

Celeste McGrath · Answer

You should always consult with a licensed Medicare broker on this. A good broker can check your Drs on networks for Advantage plans and advise on whether a plan has any/all of your Drs in network.

Hudson Albert · Answer

It depends on the specific Medicare Advantage you choose. Unlike Original Medicare, which lets you see any doctor nationwide who accepts Medicare, Medicare Advantage plans typically use provider networks (like HMO or PPO). That means you can keep your current doctors only if they are in the plan’s network. Some PPO plans offer more flexibility and may allow out-of-network visits at a higher cost, while HMO plans usually require you to stay in-network. Before switching, it’s critical to check whether your doctors, specialists, and hospitals are included in the plan’s network to avoid unexpected disruptions in your care.

Answered by Hudson Albert on April 1, 2026

Broker Licensed in TN, AL, AZ & 20 other states

Answered by Hudson Albert Medicare Insurance Agent

Diane Poythress · Answer

Typically, to continue seeing your doctor after you are on Medicare, it depends on the plan you choose. If the plan you choose is an HMO and your doctor is in the network of the Plan(HMO), then yes, you can see your doctor. 

There are Medicare Advantage plans called PPO, which allow you to see a doctor outside of the plan network. If you see a doctor outside of the plan network, then you may have higher copays and higher deductibles.

There are Medicare supplement plans. You can see any Doctor and use any hospital across the United States that accepts Medicare.

The doctors choose what plans they will accept. So if you are considering choosing a Medicare Advantage plan, you should ask your doctors what plans they accept. Now, with that being said, doctors can choose year to year whether or not to take a plan. As well as during the year, a doctor can move to a different office and leave the network. You can do your best to confirm your doctor is in network; however, things can change.

Sandy Nelson-Tittsworth, CMIP · Answer

Mostly likely YES.  We can search the Networks for a Match on your current Doctors to find the best plan for you.

Christopher Garcia · Answer

this depends on the type of Medicare Advantage plan that you have. The type of plan you select will dictate what doctors you can see and if they have in and out of network benefits. It’s very important to check to make sure your doctors are in network, or at least still available to you before you sign up for a plan. Reaching out to a licensed agent can be valuable because they can help with every step of this process.

Answered by Christopher Garcia on August 4, 2025

Broker Licensed in NM, AZ, CO & TX

Answered by Christopher Garcia Medicare Insurance Agent

Jessica Breland · Answer

That depends on the doctors & the plan. Every Advantage plan has their own network of doctors. When I am trying to find an Advantage plan for someone the goal is for that plan to cover all of their RXs at the lowest cost & all current doctors are in network. Be sure the agent you see checks everything before you enroll in a plan.

Answered by Jessica Breland on April 14, 2025

Broker Licensed in LA

Answered by Jessica Breland Medicare Insurance Agent

Michael Crocker · Answer

Your broker should do a review of your doctors before signing you to an MA plan to make sure that all of them are in the network of any plan you choose. So yes, you should be able to keep seeing your current doctors.

Answered by Michael Crocker on June 7, 2025

Broker Licensed in SC

Answered by Michael Crocker Medicare Insurance Agent

John Zentner · Answer

Whether you can keep your current doctors when switching to a Medicare Advantage plan depends on whether they are in the plan's network. If your doctors are in the network, you can continue seeing them. If they are not in the network, you will need to find new doctors who are part of the plan's network. 

Some Medicare Advantage plans are PPO which allow you to see out of network doctors.  It is important to note that costs on seeing out of network doctors in this situation can be much more expensive.

Ami Fouts · Answer

Yes, Most Medicare Advantage plans accept most doctors. But it is always prudent to check all doctors in network

Lloyd Griffin · Answer

Its important before making any changes to make sure yout providers are in network, your prescriptions are covered are some of the objectives in short. As if there are any obstacles, you can make a decision if change is acceptable to you.

Answered by Lloyd Griffin on April 28, 2026

Agent Licensed in MA, CT, FL & 6 other states

Answered by Lloyd Griffin Medicare Insurance Agent

Tracy Corwin · Answer

It will depend on if you are on an Advantage HMO plan or an Advantage PPO. If you’re on an HMO you will have a network of providers who are contracted with your insurance. You need to stay/see a in network provider in order for your insurance to cover. A PPO allowes a bit more freedom to see who you want.

Answered by Tracy Corwin on April 27, 2026

Agent Licensed in OR

Answered by Tracy Corwin Medicare Insurance Agent

Dixie Obbink · Answer

Medicare Advantage plans use networks. It would be best to speak to an agent so they can look up all of your current doctors to see if they are in the network of the plan that you are interested in.

Tabitha Kampfer · Answer

As long as your provider is in network with the plan that you select. If you choose a PPO Medicare advantage plan then you can see providers outside of the network, but you may pay more per doctor visit.

Answered by Tabitha Kampfer on July 30, 2025

Agent Licensed in WA

Answered by Tabitha Kampfer Medicare Insurance Agent

Jamie Hindley · Answer

You can keep seeing your current doctors if they are contracted with your new Advantage Plan. If it is an HMO, they have to be in-network with the new plan. If it is a PPO, I recommend you find a plan that they are contracted with so that you don't have to pay more out-of-pocket than necessary. Yes, you can see doctors out-of-network with a PPO, but many times they refuse to bill the insurance company you have and you have to pay the entire bill first and ask for reimbursement (which is a major pain). Also you are looking at paying much bigger co-pays than if you just found a plan they were contracted with.

Answered by Jamie Hindley on February 18, 2026

Broker Licensed in AZ, AK, AL & 17 other states

Answered by Jamie Hindley Medicare Insurance Agent

Fred Manas · Answer

Whether you can keep your current doctors depends on whether they are in the network of your new Medicare Advantage plan. With Original Medicare, you can see any doctor who accepts Medicare. However, with Medicare Advantage plans, you're typically limited to doctors within the plan's network. 
Elaboration:
Original Medicare:
If you have Original Medicare (Parts A and B), you can see any doctor who accepts Medicare. 
Medicare Advantage Plans:
With Medicare Advantage plans (Part C), you're generally restricted to doctors who are in the plan's network. 
Checking Your Doctor's Network:
Before switching to a Medicare Advantage plan, it's crucial to confirm if your current doctors are in the network of the plan you're considering. You can do this by checking the plan's website or contacting the plan's member services. 
Switching if Necessary:
If your doctor is not in the network, you may need to find a new doctor within the plan's network. You can use the plan's online directory or contact member services for assistance in finding a new doctor.

Mary Brown · Answer

With a Medicare Advantage plan, you generally need to use in-network doctors, though a PPO lets you see out-of-network providers at higher cost, and you can shop plans to find which ones include your doctor.

Answered by Mary Brown on March 30, 2026

Broker Licensed in NJ, DE, FL & NC, OH, PA & TX

Answered by Mary Brown Medicare Insurance Agent

Meghan Blankenship · Answer

You may be able to keep your current doctors, but only if they're in your Medicare Advantage plan's network. If they're not, you may have to switch providers or pay higher out-of-network costs, depending on the type of plan.

Answered by Meghan Blankenship on November 29, 2025

Broker Licensed in FL, MD & OH

Answered by Meghan Blankenship Medicare Insurance Agent

Carol Thompson · Answer

That depends on whether your current pcp participates and or is contracted to accept Medicare advantage plans. As an agent I always check to see if a pcp is in the networks of Medicare advantage plans.

Answered by Carol Thompson on May 26, 2025

Broker Licensed in FL, LA, MI & NC, SC, VA & WI

Answered by Carol Thompson Medicare Insurance Agent

Suzanne Lamperti · Answer

That depends if your current physician is part of the Medicare Advantage network. It's better to stay with Irigional Medicare and have a Meducare Supplement.

Todd Bostic · Answer

Depending on which plan or company you are with, it is quite possible you can keep your same doctor. In some cases, you may have to pay more for their services, but you should be able to keep seeing them.

Answered by Todd Bostic on June 1, 2026

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Carol Conner · Answer

You just need to find out if your doctors take Medicare  advantage plans. 
If not then you may need to find new doctors.

Karen Ansell · Answer

Each Medicare Advantage plan has a network of doctors and hospitals that you will need to adhere to. Check with the plan to see if your providers are in network.
Also, it is important to know that a doctor can opt out of the plan during the year as well/

Rodolfo Rojas · Answer

Just depends if they are in Network and which plan do you go with. If you decide on a PPO, you can keep your doctors even though they may be out of network; you will have to pay more.

Antonio Rodriguez · Answer

Maybe — it depends on whether your current doctors accept the network of the Medicare Advantage plan you’re switching to.

Ben Washington · Answer

Can I keep seeing my current doctors if I switch to a Medicare Advantage plan, or do I have to find new ones? Medicare plans are network base but should be able to find a plan with your doctor in the network. you can see a doctor out of network, but you pay a higher cost.

Mel Stevens · Answer

When it comes to Medicare Advantage plans, there are many different providers and usually many different plans available per provider.  If you are thinking about switching plans, it's important to review the plan and make sure your doctors, specialists and medical facilities that are a must keep are available within that plans network.  When researching, be very cognizant of the particular plan.  For example, Doctor X may be in network with United Medicare Advantage HMO plan 1 but may be out of Network with United HMO plan 2.  In addition, there are many additional options like dental and vision that can vary widely along with wide ranging co-pays and max out of pocket limits from one Medicare Advantage plan to another. When it comes to making sure you make the right decision for yourself and it's important to sit down with a professional to review your options and benefits.  It's doubly important if you are seeing a primary doc or specialist that you absolutely must keep in network!

Adam Ernst · Answer

Contact your doctor, and they will be able to tell you if they take the plan/MA carrier you are enrolling in. You can also contact the carrier or check on My Health Policy to see if your doctor accepts that specific plan. It’s best to contact your local agent or reach out to one, like me, to help you in this process. We do this for no cost when you’re seeking help.

Julie Thompson · Answer

Its possible to continue seeing the same doctors if the medical group for your current doctor accepts your new plan. It may also be possible because your doctor may be in multiple medical groups. Always a good time to consult with an agent to make sure.

Ken Banks · Answer

You can likely keep your current doctors if you switch to a Medicare Advantage (MA) plan, but only if they are in that specific plan's network, which often requires finding a plan that includes your providers; HMO plans are stricter (usually only in-network), while PPO plans offer more flexibility and out-of-network coverage at a higher cost, so always check your doctor's network status on the plan's website or Medicare.gov/care-compare before enrolling for non-emergency care.

Gary Haft · Answer

You can see your current doctors on a Medicare Advantage Plan if they are listed in their Provider directory and obviously must be currently on their provider network.  Otherwise you will need to look for new doctors/providers within the Provider Network of that Medicare Advantage Plan.  Each Advantage Plan has a different directory.

Andre Cabral · Answer

A: If your doctors are in the network of your new plan, you just keep them seamlessly. Depending on your new plan, you still can see them and pay a higher co-pay as an out-of-network doctor.

David Christian · Answer

You will have to pick a plan that allows you to see your current doctors. 

For an HMO plan your specialists will all come from the same Medical group of your PCP so choosing a plan that has the Primary Care Physician with the proper Medical Group (because many are contracted in multiple medical groups) is necessary. 

For a PPO the Primary Care Physician and Specialists have to take the plan or you will pay the our of network copays/insurances/deductibles.  

For a Medi-Gap plan you have to make sure the providers you want will accept the Medicare agreement.

Amy Jones · Answer

Before you sign up for a Medicare Advatage plan, you should make sure the doctors you want to see are in the plan’s network. If you choose an HMO plan, you must see doctors within the plan’s network for the services to be covered. If you choose a PPO, you are allowed to see doctors outside the network as long as the doctor agrees to accept the plan, but typically out of network doctors have a higher copay. Also important to remember is that networks sometimes change from one year to another, so a doctor can be in a plan’s network this year but not participate in that network next year, so always double check that a doctor accepts your plan before you go to that doctor to avoid having the visit not be covered.

Bud Griffin · Answer

It depends on which plan you choose. Your doctor can join an insurance companie's provider network at his/her discretion. Check the provider network for any company you are considering.

Adam Paul · Answer

Generally speaking, you can keep your doctors if you switch to a Medicare Advantage plan. What I do is sit down or have a phone call with an individual to ensure that all of your doctors are part of the same medical group and accept the Medicare Advantage plan. Over 90% of the people I enroll are on a Medicare Advantage plan, and they love it.

Chuck Winslow · Answer

That is not a simple question. That will all depend if you are going with an HMO or a PPO plan. With an HMO plan you 100% need to make sure your doctors are in the same network or your charges will be a lot different. Now if you go with a PPO plan most of the time your doctors would not have any issues using the same doctors as you are now. It is always best to have whom ever you are working with check ALL your doctors to make sure you will be covered and you do not have any issues once you make the change.

Earl Beck · Answer

Yes you can keep seeing your current doctors if you switch to a new Medicare Advantage plan. Providing your doctors accept that new MA plan and is in the network of coverage. It woukd be best to check with your doctor to see if they accept your choice of plan's.

Joseph Tretola · Answer

It depends on the plan. Medicare Advantage plans use networks, so you'll want to check whether your doctors are in network before you switch. Some plans are HMOs that require you to use their network except for emergencies, while PPOs give you more flexibility to see out of network providers at a higher cost. Before enrolling, get a list of your current doctors and verify each one is in the plan's network for the upcoming year, since networks can change annually. If staying with your current doctors is a priority, that should be the first thing you check when comparing plans.

Lori Marion` · Answer

Yes. Generally I talked to my clients about all of your providers that you already see or want to be sure you're able to see before even discussing coverage options. We work together to look at providers, prescription drugs, ad well as additional benefits you may need in order to get coverage to fit your needs and budget. 
99% of the time,  I find that people considering an advantage plan are able to go to a plan without any changes to your care team.

Sonya Chandler · Answer

As your Insurance Agent I would get a list of all of your current doctors.  Then we would look for a Plan that covered all of your doctors so you could keep them.

Michael Caldwell · Answer

It all depends on what kind of plan you have and if your doctor is in that networks. If you switch to an MA Plan that is an HMO and your doctor is in that network, then no, you won't have to switch doctors, but if your doctor is not in then network, then yes, you will have to switch to a doctor that is in the network. If you switch to an MA Plan that is a PPO, you can still see your doctor, whether your doctor is in the plan network or not. If your doctor is not in the plan network, you will likely have a higher co-pay to see them. Also if your doctor is not in the PPO network, make sure they are willing to accept payment from your PPO's carrier.

Rick Balistreri · Answer

As agents, we do a search to see what Medicare Advantage Plans your doctor participates in. The only time you would need to switch doctors is when there is not a plan that your current doctor accepts.

John Weaver · Answer

Most agents or brokers need to research plans to determine if your current doctors are available in the plan.   You may have to find new doctors, as Medicare Advantage plans have specific networks, and your current doctors may not be in them.

Douglas Carney · Answer

Whether you can keep seeing your current doctors after switching to a Medicare Advantage plan depends on the plan’s network. Most Medicare Advantage plans, like HMOs or PPOs, have a network of doctors and hospitals you must use to get the lowest costs. If your doctors are in the plan’s network, you can likely continue seeing them. However, if they’re out-of-network, you may face higher costs or need to switch doctors, especially with HMO plans that typically require in-network care except for emergencies. PPO plans offer more flexibility for out-of-network providers, but at a higher cost. Some plans, like Private Fee-for-Service (PFFS), allow you to see any Medicare-approved doctor who accepts the plan’s terms, but not all providers do.

To ensure you can keep your doctors, check the plan’s provider directory on their website or call the plan directly to confirm your doctors’ participation. You can also contact your doctors’ offices to verify if they accept the specific Medicare Advantage plan you’re considering. Always review the plan’s network rules before enrolling to avoid unexpected costs or changes in care.

Velvet Ohlen · Answer

Yes, you can continue seeing your doctors. The best approach is to have a proper plan review to ensure you can keep your preferred providers, have your prescription drugs covered, and receive the quality healthcare you need.
If a change is necessary, you will make that decision. I can help navigate that help.

Tanisha Coffey · Answer

If you're have Original Medicare and switch to a Medicare Advantage plan, it is not guaranteed that you will be able to maintain all of your doctors. Medicare Advantage plans have specific networks. So, when considering a switch to a Medicare Advantage plan, it's important that you have a list of your current doctors. When working with clients, we always use that information to check to see if the doctors are in network for the carrier you're looking at. Each carrier will have different networks. So, some, none or all of the doctors may be in network, depending on the carrier you're considering for your Medicare Advantage Plan. For the doctors who are not in-network, you would need to select an in-network physician and use the in-network physician instead; if you continued to see an out of network physician, the costs associated with doing so would be fully your responsibility.

Robert Moore · Answer

As long as the doctors accept that medicare advantage carrier.  Like group health insurance, there are several different types of coverage (HMO, PPO, PFFS...).  So reviewing the provider network before selecting a carrier will be very important.

Larry Plyler · Answer

Yes, but just make sure they are in your Medicare Advantage network, otherwise you may pay a lot more or maybe all of the charges. Most MA plans have networks of doctors and other medical facilities that provide care at in-network charges.

Ranjit Badhan · Answer

If your doctor accepts that Medicare Advantage plan  you can see the same doctor otherwise you can switch to new doctor who accepts that plan. Some plans allow doctors outside of the plan but for that you may have to pay higher fees to the doctor.

Zachary Montgomery · Answer

Medicare Advantage plans vary from plan to plan. PFFS plans will work with any provider that accepts the plan’s terms and conditions. PPOs cover providers that are out of network but usually at higher costs. HMOs only cover providers that are in network except for certain situations. You will have to balance the financial cost of using providers out of network against the general cost of changing providers.

Justin Sonon · Answer

If your doctors are considered in network on an HMO style Medicare Advantage plan, you may keep them. If you choose a PPO style Medicare Advantage plan, you may go in and out of network, but should realize that if you go out of network, the cost to see that doctor will be higher than staying in network.

Aaron Lewis · Answer

You can keep seeing your doctor  if they are in the Medicare Advantage Plan network. If your doctor is out of network and you have a HMO program you will be responsible for paying all costs. A PPO program has some flexibility where you might be able to go out of network but you will most likely pay a higher copayment for seeing an out of network provider .

Aimee Butler · Answer

Medicare Advantage Plans have a network of doctors.  I always advise my clients to check or I help them check to see if their doctor(s) are in the network before they join an Advantage Plan.  If your doctor is in the network then you can still see them.

LaKeshia Howard · Answer

Hello that you for contacting; if you switch to Medicare Advantage you may have to switch doctors if your current doctors aren’t in network; to be certain before switching you would have to confirm that your doctors are in network.

Calinda Young · Answer

Your ability to keep seeing your current doctors depends on if your doctors accept the plan you are enrolled in for health insurance.  Otherwise you may want to find a new doctor or you will be responsible for the charges, out of your pocket.

John Ward · Answer

Yes in most cases you can continue using your current doctors. You must stay within the network and if your doctor is in the network you can see him, if not it will cost you more.

Marie Smith · Answer

You may be able to keep your doctors, but only if they are in the plan’s network. Do not enroll into any plan until you know   if your current doctors, specialists and hospitals are in the plans network.

Leonie Dawkins · Answer

This depends on whether your doctor is a part of your Medicare Advantage plan network. And if he takes your particular plan.

Kerry Fletcher · Answer

You can continue to see your same doctors and specialists, however, according to your insurance plan and the contract they (your doctors) have with your insurance plan, make sure that they are considered to be "In Network." 

Even if they are considered to be or have shifted to being "Out of Network" you can still see them. Just consider that higher deductibles, co-payments and co-insurance cost (if any) May take place rather than if they were considered to be "In Network." 

Our Certified Licensed Professionals at Fletcher Financial Insurance & Consulting Services, LLC always make sure that you can obtain the maximum health insurance benefits you qualify for while trying to maintain you at a $0.00/Mo. premium.

Holly Baker · Answer

As an agent, we look for a plan network that is accepted by your current doctors. Some clients are OK with switching doctors if a particular plan gives them access to attractive features and benefits.

Jonathan Hardy · Answer

It may be possible to keep seeing your same doctors. We would need to check to see if your current providers are in network with the Medicare Advantage plan.

Devorah Wittig · Answer

It depends on which carrier, such as Anthem, Humana, etc., and which plan available in your county that you are looking at.

Most Advantage plans use networks of doctors and hospitals in their plans. 

As you are looking at plans, your agent can check to see that your doctors are in network. 

So no, you do not need to switch doctors if you do and your agent do your homework and make sure that your doctors are in network.