DW and I came to TV with Medicare and BCBS Medigap plans from an out of state carrier. Hers is a G plan and mine is an F plan. We both had some difficulty finding PCPs because most doctors in TV are tied into certain health insurance plans. This was very surprising to find out as we always thought Medigap plans were considered better.
Once local PCPs were found all has worked OK for us. I had several emergency room visits to TV hospital and one five day stay in the hospital and my cost has been zero out of pocket. It appears most if not all specialists and hospitals accept Medigap insurance. I believe but am not sure that the Medigap coverage is much more flexible than advantage plans if coverage is needed outside the local area. With Medigap you are not limited to a certain network of doctors.
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