The first step in finding a doctor that accepts Medicare is understanding which types of providers are covered by Medicare. To learn more about the various types of providers a Medicare patient can have, read this section.
Finding a primary care physician (PCP), otherwise known as a primary care doctor, can be tricky when there are many options. To learn more about ways to narrow down your PCP search, read this section.
When it comes to costs, making sure a provider is in-network is crucial. To learn about ways to determine if a provider is in-network, read this section.
- There are multiple ways a patient can find doctors near them that accept Medicare. To discover the most popular tools and strategies a patient can use to tailor their search, read this section.
When it comes to finding new providers, it can be confusing for patients to know how to begin their search and uncover whether certain providers accept their Medicare plan or not. However, there’s a broad spectrum of tools made available to patients with Medicare plans that can guide them on their search for new doctors and/or specialists.
Types of Medicare Providers
As patients age, their needs may change and different provider types can be necessary. To help patients narrow down what they need and where to find it, Medicare and Medicaid Services offer a provider finder tool. This tool assists patients in finding care providers of all different types, including nursing homes, hospitals, home health care, hospice care, doctors/specialists, rehabilitation facilities, dialysis facilities, and durable medical equipment suppliers.
Nursing homes are facilities for patients who have difficulty being cared for at home and need 24-hour nursing assistance.
Many different hospitals are covered under Medicare (critical access, children’s hospitals, long-term care, etc.) that offer all types of services (medical, surgical, psychiatric, etc.).
Home Health Care:
There are many at-home nurses, meal programs, and other services made available to Medicare patients when it comes to home health care. At times, these services can be more cost-efficient than nursing homes or hospitals.
When a patient enters hospice care, they are likely in the final stages of a terminal/incurable illness or disease. Therefore, most hospice agencies accommodate their patients by treating them where they live, whether it’s at an assisted living facility, etc.
Many different doctors and specialists are covered under Medicare, e.g., internists, family physicians, geriatricians, psychologists, and more.
After experiencing a traumatic injury, such as a stroke, many patients need intensive rehabilitation. Inpatient and outpatient rehabilitation facilities are covered under Medicare.
When a patient’s kidneys are not functioning as correctly as they should, they begin what is known as dialysis. Medicare covers over 7,000 dialysis facilities throughout the country.
Durable Medical Equipment (DME):
Medicare covers various DME such as canes, wheelchairs, blood sugar meters, infusion pumps, and more. Their finder tool can assist patients in finding suppliers, cost estimates, and DME availability.
What Types of Doctors Take Medicare?
All kinds of providers are covered by Medicare insurance, such as:
Doctors of Medicine (MD)
Doctors of Osteopathic Medicine (DO)
Physician Assistants (PA)
Nurse Practitioners (NP)
Clinical Nurse Specialists
Clinical Social Workers (CSW)
Physical Therapists (PT)
Occupational Therapists (OT)
When a patient signs up for a Medicare Advantage plan, dentists, optometrists, and Ear, Nose, and Throat (ENT) specialists are also covered.
Note: If you’re confused on whether or not a provider or specialist is in-network, be sure to contact a Medicare insurance agent to discuss. To learn more about which doctors accept Medicare, visit this source. To find a doctor that accepts Medicare insurance near you, visit this source.
Things to Think About When Searching for a PCP
Under a standard Medicare insurance plan, patients are covered for Parts A and B. Medicare Part B provides patients with the necessary coverage to visit their primary care physician and receive any appropriate medical tests or screenings.
If a patient has a Medicare Advantage plan, their insurance is further broken down into plan types; the main two being the Health Maintenance Organization (HMO) plan or the Preferred Provider Organization (PPO) plan. HMO plans require their clients to have a PCP to assist with care coordination and planning. Meanwhile, PPO plans do not require their clients to have a PCP, leaving the patient with more control over their care and which providers they see. To learn more about these plan types and the differences between them, visit this source.
When searching for a primary care provider (PCP), it’s essential to reflect on your health care needs and goals. Some guiding questions to think through include:
Where is the provider located, and how far am I willing to travel?
Is transport provided?
Is this doctor within my insurance network?
Does this provider specialize in any condition(s)?
Will this doctor be available after-hours or on weekends if necessary?
Note: For more questions and suggestions on finding a primary care physician, visit this source.
How to Change Doctors Under Medicare
If a patient has standard Medicare, they are free to see whichever doctor they choose. However, it will be more cost-effective to see a doctor that accepts Medicare, so it’s a good idea to call the provider’s office ahead of time to ensure they accept Original Medicare.
If a patient has a Medicare Advantage HMO plan, they are required to select a PCP. If they want to change who their PCP is, they must contact their insurance company and request a new provider. Once the request is accepted and the doctor is altered, the patient should receive a new insurance card in the mail reflecting the changes they made.
If a patient has a Medicare Advantage PPO plan, they are not required to have a PCP and are free to see whichever provider they choose. However, in terms of cost-efficiency, a patient should see a provider within their network.
How to Know if a Provider is In-Network
With standard Medicare insurance plans, providers are “in-network” if they accept Medicare insurance plans. Therefore, call your provider’s office ahead of time to ensure they accept your insurance before making your appointment. Another option is using Medicare’s physician compare tool to see which doctors accept Medicare in your local area.
When it comes to Medicare Part C, otherwise known as Medicare Advantage plans, a patient most likely will have an HMO or PPO plan. HMO plans provide patients with a network of providers to choose from, and in most cases, a patient’s PCP is coordinating who they see within this network. PPO plans also provide patients with a network of providers to choose from; however, patients have more freedom to select which providers they want to see. In regards to both of these plans, if a patient is feeling confused on whether or not a chosen provider is in-network, they should contact their insurance company or provider office. Speaking with an agent from your insurance company or calling the doctor’s office will help clarify whether the provider is in your network.
How to Find a Medicare Doctor Near Me
When it comes to finding a doctor who accepts Medicare in your area, there are multiple ways a patient can narrow down their search. Ways to know if a doctor accepts Medicare include:
Tools for Original Medicare Plans:
Contacting the provider’s office to ensure they accept standard Medicare.
Tools for Medicare Advantage Plans (HMO & PPO):
Browse in-network provider options on your insurance company’s website.
Speak with a licensed insurance agent from your company to clarify if the provider is in-network.
Contact the provider’s office to clarify if they accept your Medicare Advantage insurance plan.
Good health does not come cheap. In fact, national health spending in the United States was around $3.8 trillion in 2019, and it's estimated to grow up to $6.2 trillion by 2028.
Although it’s not extremely common, occasionally healthcare providers may charge patients with Medicare Part B excess charges after their visits.