Medicare Part A & B – Original Medicare
You have the freedom to visit any doctor or hospital that participates in Medicare and accepts new Medicare patients.
Medicare Part C – Medicare Advantage
For Medicare Advantage plans, the doctors and hospitals you can visit depend on the type of plan you buy. Here are three examples:
- Health Maintenance Organization (HMO) plans = You choose a primary care physician (PCP) in the plan’s network. Your PCP coordinates the care you receive from other doctors and specialists inside the network. Some HMO plans require your PCP to make referrals to specialists, while other plans do not. Any care you receive outside of the plan’s network will not be covered, except in urgent or emergency situations.
- Preferred Provider Organization (PPO) plans = You can visit doctors and hospitals inside or outside of the plan’s network, but you may pay more for out-of-network services.
- Private Fee-for-Service (PFFS) plans = You can visit any provider inside the network. You can also visit out-of-network doctors or hospitals that accept the plan’s terms, but you may pay more for services.
Medicare Supplement Plans
You have the freedom to visit any doctor or hospital that participates in Medicare and accepts new Medicare patients, with no referral required.