- It may restrict your freedom of choice for health care providers:
- Generally, Medicare Advantage allows you to visit any facility that recognizes Medicare and get the same grade of Medicare provisions for covered services. Conversely, Medicare Advantage plans are more limited by way of provider networks. If you go out of network, your policy may not cater to your medical costs, or your costs may not affect your out-of-pocket maximum.
- Coverage for some services may need doctor referrals and plan approvals:
- Medicare Advantage plans are careful to avoid the violation of healthcare through various guiles. It does this by providing authorization for inpatient care, outpatient care, medical facilities, and some complex procedures beforehand. Most times, Medicare Advantage policies need your principal care doctor’s referral to see specialists before covering service expenses.
- They have specific service zones:
- Most Medicare Advantage plans have webs of providers. To join, one must reside in the Medicare Advantage plan’s service zone. If you split your time between homes in different areas, this criterion may be difficult to satisfy.
Overall, Medicare Advantage plans may provide more benefits, but the downside is that you must adhere to Medicare Advantage Plan guidelines to obtain the benefits for covered services.
Still aren’t sure about your Medicare options? Call Sunsurance today and speak with a licensed insurance broker to discuss your Medicare Advantage Plan coverage options. Reach out to us today at 334-494-8282 or email us at edfoy@sunsuranceagency.com.
