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If you’re facing a prior-authorization requirement, also known as a pre-authorization requirement, you must get your health plan’s permission before you receive the healthcare service or drug that requires it.
If you don’t get permission from your health plan, your health insurance won’t pay for the service. You’ll be stuck paying the bill yourself.
Assuming you're using a medical provider who participates in your health plan's network, the medical provider's office will make the prior… read more
I have Medicare and a supplemental plan that allows me to go to any doctor , it’s not an HMO or PPO, I also don’t need to get referrals. It has a deductible of $ 2800.00 per year( out of pocket maximum), then it pays 100%.
I had been tempted to go for the Medicare advantage plan when I retired but a lot of doctors around my area do not accept it. I also didn’t want the stress to have to deal with referrals. I remember that from my working days😩 .
I’m in an advantage plan & don’t have any problems at all but if you’re in a smaller community you may have trouble. I live in Phoenix & it works great!
Got it. I read your post too fast. 🫢 Brain fog or something. 🤣
Laura647 I’m very happy with my plan, I’ve had it for a few years. My supplemental plan is also good. My friend is an insurance broker and he recommended it when I retired. I understand how my plan works🙏
Sue ask your doctors. Not all of them accept advantage plans. My supplement pays deductible every year. Also talk to a broker. I have no idea how brokers can understand our medical insurance, but the one I had when I started Medicare was amazing.
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