What should I do if I find out that my preferred hospital isn't in-network with my Medicare Advantage plan?
Answered by 10 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.
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
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.
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.
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.
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.
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.
If your preferred hospital drops out of your Medicare Advantage network, you should consult with an independent agent to determine your options. You may have a special enrollment period if you have access to a five-star plan in your area. There may be other options available to you as well. Consult a local independent health agent to get your best option. It's a no-cost appointment for you.
this is concerning that you don't have your preferred hospital in the network. Are you on a Medicare Advantage PPO plan? This would still allow you to go to that hospital (although you may pay a higher co pay), If it is an emergency situation, your plan would still cover an out-of-network hospital.
First, I always check doctors, hospitals and prescriptions for my clients.
But, if something changed network wise, if its is still during open enrollment, we can make a change. If not, we can schedule a meeting for the upcoming Annual Enrollment period.
We also have ancillary plans available year round that can help cover what the Medicare Advantage doesn't fully cover.