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Originally Posted by tophcfa
Medicare Advantage plans typically are restricted to local networks and seeing specialists require referrals from a primary care doctor while Medigap plans have a national network and allow you to see specialists without a referral. We are snowflakes (travel between both homes several times per year) and would not even consider an Advantage plan as we would be out of network at one location and have to chase down referrals. I can’t speak for balancing both federal retirement medical insurance with Medicare as that doesn’t apply to us so I never researched it.
I would recommend picking up a good updated book such as “Maximizing Your Medicare” that explains various options in great detail. It’s a very important decision as you approach 65 and should be carefully researched. Best of luck!
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I agree with this. Medicare Advantage is probably great if you stay in one place, but if you go back and forth like I do, regular Medicare allows you to pick your own physicians and no referrals are needed for specialists. To me that is the way to go. If you have a plan through work that you can keep, you need to do your homework and see if it is what you want for a supplemental policy. Good luck.