Medicare SELECT

Introduction To Medicare SELECT

Medicare SELECT is a type of Medigap policy that works by utilizing a system structured around a network of doctors, clinics and hospitals. It is a type of policy where beneficiaries may be required to visit specific doctors and hospitals that are part of the network in order to receive full benefits. This is a type of managed health care similar to an HMO (Health Maintenance Organization). Certain emergency situations may be excluded from this restriction, however. Medicare SELECT is not available in all states. Medicare SELECT can be any Medigap Plan A through L.

Only certain hospitals are network providers under this type of policy. Check with your physician to determine if he or she has admitting priveleges at the network hospital. If he or she does not, you may be required to use another physician at time of hospitalization or you will be required to pay for all expenses.

More Details on Medicare SELECT

Medicare will pay only a portion or may not pay anything if you seek treatment outside of the Medicare SELECT network, unless it's an emergency. If you already have a Medicare SELECT policy and move to a state that doesn't offer it, you may need to move to a Medigap plan that has equal or less benefits. When you enroll in the Medicare SELECT plan you will need to choose a primary care physician. This physician will be needed in the future for referrals to other locations covered in the Medicare SELECT network.