dillywho...it depends on which advantage program you have. Some indeed are HMO's and require network doctors and referrals. Some, like Aetna, are PPO's which does not require that you use an in-network doctor as long as the doctor is a medicare provider. My PPO pays 100% of the medicare payment. I also do not need referrals to any specialist as I am not required to have a designated primary doctor. So far, it has worked well for me for the past 3 years.
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New Jersey, TV
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