If the plan has a network, you can use any of the network providers, but if you go to an out-of-network provider that accepts the plan’s terms, you may pay more. You can go to any Medicare-approved doctor, other health care provider, or hospital that accepts the plan’s payment terms and agrees to treat you. MSA plans generally don’t have network providers. You can get covered services from any Medicare provider in the U.S. ![]() You may also go out of the plan’s network, but your costs may be higher. You generally must get your care and services from doctors, other health care providers, or hospitals in the plan’s network (except emergency or urgent care or out-of-area dialysis). In an HMO Point-of-Service (HMOPOS) Plan you may be able to get some services out of network for a higher copayment or coinsurance.Įach plan has a network of doctors, hospitals, and other health care providers that you may go to. If your PFFS Plan doesn’t offer drug coverage you’ll need to join a separate Medicare drug plan (Part D) to get drug coverage.Īll SNPs must provide Medicare prescription drug coverage (Part D).Ĭan I use any doctor or hospital that accepts Medicare for covered services? If you join a separate MSA plan and want Medicare drug coverage, you’ll have to join a separate Medicare drug plan. If you join a PPO plan that doesn’t offer drug coverage, you can't get a separate Medicare drug plan. If you join an HMO plan that doesn’t offer drug coverage, you can't get a separate Medicare drug plan. These plans usually charge a premium in addition to the monthly Part B premium.ĭo these plans offer Medicare prescription drug coverage (Part D)? MSA plans don’t charge a premium, but you must continue to pay your Part B premium. ![]() Many charge a premium in addition to the monthly Part B premium.
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