Can I Keep My Doctor on Medicare? Here’s the Truth You Need to Know

If you’re about to join Medicare, you’re probably asking: 👉 “Can I keep my doctor?”
The answer is: Yes, but it depends—on the type of Medicare plan you choose.

Let’s break it down simply so you can make the best decision for your health and peace of mind.

What’s Inside

• Original Medicare: More Flexibility
• Medicare Advantage (Part C): Networks Matter
  • ✅ HMO Plans:
  • ✅ PPO Plans:
• Pro Tip: Always Verify Before You Switch
• What If My Doctor Isn’t Covered?

Original Medicare: More Flexibility

If you choose Original Medicare (Parts A & B):

• You can see any doctor in the U.S. who accepts Medicare assignment
  
• No referrals needed for specialists
  
• Many doctors accept Medicare—but not all, especially in private practices
  

📌 Want to double-check if your doctor accepts Medicare? Call their office and ask:
“Do you accept Medicare assignment?”

Medicare Advantage (Part C): Networks Matter

If you enroll in a Medicare Advantage plan (through a private insurance company), your ability to keep your doctor depends on the plan’s network.

There are two main types:

✅ HMO Plans:

• You must stay in-network
  
• Referrals are often required
  
• If your doctor is not in the plan’s network, you’ll likely need to switch
  

✅ PPO Plans:

• More flexibility to see out-of-network providers
  
• You’ll pay less if you stay in-network
  
• Still a good idea to check if your doctor participates
  

👉 Compare Medicare Advantage plans in your area »

Pro Tip: Always Verify Before You Switch

Before enrolling in any Medicare plan:

1. Call your doctor’s office
   
2. Ask: “Do you accept this specific Medicare Advantage plan?”
   
3. Check if any clinics or specialists you rely on are in-network too
   

Need help checking? Let our team verify it for you

What If My Doctor Isn’t Covered?

You still have options:

• Choose a plan that includes them in-network
  
• Switch to Original Medicare and add a Medigap plan for extra coverage
  
• Stay with your doctor and pay out of pocket
  

💡 It’s not just about one doctor—make sure your hospital, lab, and pharmacy are also covered in your plan.

Final Words

Yes, you can keep your doctor on Medicare—if they accept Medicare or are in your Advantage plan’s network.
But don’t assume. Always double-check before you enroll.📞 Still not sure? Talk to a real expert.
Visit SecureSafer.com or call us at (646) 444-2020

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