Will My Doctor Accept Medicare?

What People Are Asking

● “Will I be able to keep my doctor when I go on Medicare?”
● What does “accepting assignment” mean?
● Can a doctor charge more than Medicare pays?
● What happens if my doctor does not participate?

Key Takeaways

● Doctors can choose how they participate in Medicare
● Payment rules change depending on participation status
● Some plans have networks, others do not
● Confirming your doctor’s status before enrolling is important

How Medicare Pays Doctors

Under Original Medicare, doctors bill Medicare directly for covered services.
Medicare generally pays about 80% of the approved amount after the deductible of Part B services.
The remaining 20% is usually the patient’s responsibility unless they have additional coverage such as a Medicare Supplement plan.
This payment structure is one reason many people add supplemental coverage.

Doctors Who Accept Medicare Assignment

Many doctors accept Medicare assignment.
This means:
● They agree to accept Medicare’s approved payment amount
● They cannot charge more than Medicare allows
● You are responsible only for deductibles and coinsurance
This is often the most predictable situation for patients.

Doctors Who Participate But Do Not Accept Assignment

Some doctors participate in Medicare but do not always accept assignment.
In these cases:
● They can charge up to 15% more than the Medicare-approved amount
● This is called an excess charge
Not all states allow excess charges.
People considering Medicare Supplement coverage sometimes choose plans that help protect against these costs.

Doctors Who Opt Out of Medicare

A small number of doctors opt out of Medicare completely.
If this happens:
● Medicare does not pay the doctor
● The patient pays privately
● A private contract may be required
This is more common with certain specialties.

Medicare Advantage Changes the Conversation

If someone enrolls in a Medicare Advantage plan, doctor access may depend on:
● Plan networks
● Referrals
● Prior authorization
● Geographic service areas
Note: Even if a doctor accepts Original Medicare, they may not participate in a specific Advantage plan network.

Why This Matters Before Enrolling

Doctor participation can affect:
● Continuity of care
● Out-of-pocket costs
● Access to specialists
● Treatment approvals
This is why many people check their doctor status before choosing a Medicare path.

Q & A: Doctor Participation and Medicare

How can I find out if my doctor accepts Medicare?

You can ask the doctor’s office directly or check
Medicare’s provider search tools.

No. Deductibles and coinsurance may still apply.

Yes. Doctors can change their participation status.

No. Advantage plans often have provider networks that
must be confirmed.

A Practical Takeaway

Whether your doctor accepts Medicare — and how they participate — can affect both access and cost.
Understanding this before enrolling helps people choose coverage that supports their existing care relationships.

Choosing the Right Medicare Coverage

Selecting the best Medicare coverage depends on factors like your healthcare needs, budget, and preferred providers. You can choose between:
  • Original Medicare (Parts A & B): Allows you to see any doctor or
    hospital that accepts Medicare but does not include prescription drug
    coverage (Part D) or additional benefits.
  • Medicare Advantage (Part C): Offers bundled coverage with
    potential extra benefits but may require using a network of providers.
  • Medigap (Medicare Supplement Insurance): Helps cover
    out-of-pocket costs not covered by Original Medicare, such as
    copayments and deductibles.

Key Medicare Enrollment Periods

It is crucial to enroll in Medicare at the right time to avoid penalties and ensure continuous coverage:
  • Initial Enrollment Period (IEP): A seven-month window starting
    three months before your 65th birthday month.
  • General Enrollment Period (GEP): From January 1 to March 31
    each year for those who missed their IEP.
  • Annual Election Period (AEP): From October 15 to December 7,
    allowing you to switch or enroll in Medicare Advantage and Part D
    plans.
  • Open Enrollment Period(OEP): From January 1 to March 31 for
    those who missed AEP and want to make certain changes.
  • Special Enrollment Period(SEP): Can be used anytime during the
    calendar year for those that meet certain criteria such as moving to a
    new service area.

Finding Help with Medicare

Understanding Medicare can be complex, but you don’t have to do it alone. Licensed Insurance Brokers, Medicare.gov, and state health assistance programs can provide guidance tailored to your specific needs.
By taking the time to explore your Medicare options, you can make informed decisions that ensure you receive the healthcare coverage that best suits your lifestyle and budget.
Do I have to sign up for Medicare?
It depends upon your current coverage. If you are employed and your employer has over 20 employees then you can delay signing up for Medicare and avoid penalties.
No, You will have to enroll in a stand alone Part D plan or a Medicare Advantage Plan(Part C) to get coverage.
There are no networks with Medicare and most doctors and hospitals accept it. However, Medicare does not cover 100% of services so a Medicare Supplement or Medicare Advantage plans is advisable.

Mike Miligi- Owner

For over 10 years, Mike has been assisting Seniors and other Medicare-eligible individuals in understanding the ins and outs of Medicare and Medicare Health Insurance options, including Medicare Advantage Plans(Part C), Medicare Supplement Plans(Medigap), Prescription Drug Plans(PartD), and Dental and Vision programs.
Mike is Licensed in seven States and Certified with 11 Insurance Carriers. He has helped thousands of individuals decide on the best course of action for their particular Health Insurance needs. Because Mike is an Independent Medicare Health Insurance Broker, he works for the client, not the Insurance Carriers, and is able to provide his clients with accurate and unbiased Health Insurance options.
Mike recertifies with CMS(The Centers for Medicare and Medicaid Services) annually, regularly completes Continuing Education Courses required by individual State Insurance Departments, and keeps abreast of industry trends and standards to offer his clients the most up-to-date information.
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