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Originally Posted by coffeebean
Thanks to all who have replied. My main concern about the Medicare Advantage plans is the awful reviews hubby and I have read about them. People claim they verified that providers are in network then the insurance companies insist those said providers are NOT in network. I don't know if I can trust the information I receive regarding who is in network and who is not in network.
Have any of you had problems with the providers not being in network after you were assured they were in network? I'm referring to any of the Medicare Advantage plans such as United Health Care, Humana and Aetna.
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From a provider standpoint it does not matter which plan. Doctors come and go all the time out of any provider's plan throughout the plan year. Again UHC is the biggest health provider in the USA. Probably a correlation to the most in network Vs size - not sure. As far as your first post some statement that the ins co refuse to pay because of out of network - not likely. Most pay but cost you higher copays (or the difference) due to out of network. Now you need to compare out of pocket maximums to safeguard yourself against that situation. Go to the hospital and ask are you in network. Most likely yes. Now ask is everyone involved in my hospital care in network. You won't get a straight answer to that. I had an emergency visit to TV a few years ago. Hospital in network. Emergency room doctor out of network. Perhaps the emergency room doctor on the previous shift was in network. How are you going to control that ? Bottom line for me is I have TV UHC. The best and easiest insurance I've ever dealt with. The plan works very well here and in New York State when I do my snowbird thing. Love my doctors and specialists.