What should I do if I find out that my preferred hospital isn't in-network with my Medicare Advantage plan?

Answered by 7 licensed agents

You can go to any doctor or hospital with Medicare Advantage. Although, there have been instances where a hospital drops the Medicare Advantage plan. You can switch plans during Medicare Advantage open enrollment, Jan 1 to March 31. If you can't find another plan to switch to, you could return to Original Medicare and you could also pair Original Medicare with Medigap.

Answered by Aisha Saleem on March 13, 2025

Agent Licensed in MD & FL

Answered by Aisha Saleem Medicare Insurance Agent

If your preferred hospital isn’t in-network with your Medicare Advantage plan, it’s a significant issue—over 25 years, I’ve found most people won’t abandon the trust they’ve built with their doctors and hospitals due to insurance limitations, making it essential to work with a professional to confirm network coverage upfront. You can switch plans during the Annual Enrollment Period (October 15 to December 7) or the Medicare Advantage Open Enrollment (January 1 to March 31) to align with your hospital, and with today’s wide range of competitive plans, we can typically find one that includes your providers without much trouble. If you’re caught mid-year, a Special Enrollment Period might apply—like after a move or loss of other coverage—or you’ll face higher out-of-network costs, which vary by plan and can add up quickly.

Answered by Brian Moore on March 27, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

If a member likes their plan, they can find out where else they can go for services, they also can change their plan, and possibly get an exception to go to their hospital

Answered by Melonie Wood on March 25, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

That is something you want your Medicare agent to advise you on. In some cases, you may fall into a Special Election Period. But for the most part before you purchase an Advantage Plan you will want your broker to check the network for your hospital and doctors.

Answered by Joseph Bachmeier on March 25, 2025

Agent Licensed in PA, DE, FL & MD, NC, NJ & SC

Answered by Joseph Bachmeier Medicare Insurance Agent

Call your trusted Medicare plan advisor. There are special election periods (SEPs) throughout the year that might offer a chance to change plans, during the year if needed, so you can have access to the hospitals and providers you prefer. Your advisor should have knowledge of what SEPs are available to you.

Answered by Amy Putrino on March 26, 2025

Agent Licensed in RI, CT, FL & 11 other states

Answered by Amy Putrino Medicare Insurance Agent

First check to see if another Medicare Advantage Plan works and is accepted by that Hospital. Also consider looking at a Hospital Indemnity Plan to go with your Advantage Plan.

Also determine what the out-of-network costs would be to keep your Plan and understand the cost risk to stay with that Hospital or review Hospitals that do accept your current Plan.

Answered by John L Herman Jr on March 29, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent

If you discover that your preferred hospital isn’t in-network with your Medicare Advantage plan, here are some steps you can take:

Contact Your Plan: Reach out to your Medicare Advantage plan's customer service for clarification on your coverage options and whether any exceptions can be made.

Check for Out-of-Network Coverage: Find out if your plan covers out-of-network services and what the associated costs would be.

Explore In-Network Alternatives: Look for other hospitals or providers in your plan's network that can provide similar services.

Consider Plan Changes: If you're unhappy with your current plan, consider switching to another Medicare Advantage plan during the next open enrollment period that includes your preferred hospital.

Consult With a Medicare Advisor: If you're feeling overwhelmed, seeking assistance from a Medicare advisor or agent can help you understand your options and make informed decisions.

Answered by Sean Davis on March 26, 2025

Broker Licensed in NY, LA, MD & 6 other states

Answered by Sean Davis Medicare Insurance Agent

Tags: Coverage Medicare Advantage

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What should I do if I find out that my preferred hospital isn't in-network with my Medicare Advantage plan?

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What should I do if I find out that my preferred hospital isn't in-network with my Medicare Advantage plan?

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A non-government resource website