If you’re asking, “Can I keep my doctor with a Medicare Advantage plan?”—you’re not alone. It’s one of the most common and important questions seniors ask when reviewing their Medicare options. Let’s break it down together.
Why Doctor Access Matters
Think about it: your doctor already knows your health history, your medications, your routines—and most importantly, they’ve earned your trust. Changing that relationship isn’t just inconvenient. For many, it’s emotional.
So when it’s time to look at Medicare Advantage plans, one of the first questions to ask is: Will my doctor accept the plan I choose?
Medicare Advantage and Provider Networks
Here’s where things get a little technical—but don’t worry, I’ll keep it simple.
Most Medicare Advantage plans are offered through networks of doctors, specialists, and hospitals. These networks may include:
- HMO plans – You’ll typically need to use doctors in the plan’s network (except in emergencies).
- PPO plans – You can see doctors outside the network, but it may cost more.
So, can you keep your doctor with a Medicare Advantage plan? The answer depends on whether:
- Your doctor is part of the plan’s network.
- You’re choosing a plan that allows out-of-network visits (like a PPO).
- Your plan changes its network during the year—which can happen.
How to Find Out If Your Doctor Accepts a Medicare Advantage Plan
Here’s the calm, step-by-step approach:
- Make a list of doctors and specialists you want to keep.
- Check the plan’s provider directory—most are available online.
- Call your doctor’s office and ask, “Do you accept [Plan Name] for Medicare Advantage?”
- Talk to a licensed agent who can help you search for plans that include your preferred providers.
Tip: Just because a plan is popular in your area doesn’t mean your doctor accepts it. Always check directly—each plan’s network is different.
Can the Plan Change Its Network?
Yes. Medicare Advantage plans can adjust their network providers from year to year. That’s why it’s important to review your plan annually, especially during the Annual Enrollment Period (AEP), which runs from October 15 to December 7.
What If Your Doctor Isn’t In-Network?
If your doctor isn’t in-network, you have a few options:
- Look at other plans in your area that do include them.
- Use out-of-network benefits (if your plan allows), though you may pay more.
- Talk to your doctor—some are willing to join certain networks if enough patients ask.
In Conclusion: Yes, You Might Be Able to Keep Your Doctor—But Always Check First
So back to the original question: Can I keep my doctor with a Medicare Advantage plan?
The answer is: Maybe. It all depends on your plan’s provider network.
The good news? You don’t have to figure it out alone.
A licensed agent can help you review available plans and guide you through checking which doctors are in-network—without any pressure to enroll.
