Provider Network

Would you rather pay a higher premium for access to a broad provider network, or a lower premium for access to a more select provider network? I would rather…

Pay a higher insurance premium for access to any provider that accepts Medicare.
Pay a lower insurance premium for access to a select provider network.

Out-Of-Pocket Costs

Some plans have added out-of-pocket costs for medical services or procedures. Are you OK covering these costs on your own?

Yes, I’m OK covering out-of-pocket costs like copays and deductibles on my own.
No, I want a limit on how much I have to pay out-of-pocket.

Getting Referrals

Some plans with lower premiums may require a referral from your primary care doctor before you see a specialist. Are you OK with this?

Yes, I already discuss my care with my primary care physician, so getting a referral isn’t a problem.
No, I don’t want to have to get a referral before every specialist visit, even if that means my premium may be higher.

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