One of the features we like most about Medicare Supplement Insurance (Medigap) plans is the freedom of choice they provide. Here are a few of the areas where a Medigap plan allows its subscriber freedoms not necessarily found with a Medicare Advantage plan.
No Pre-Authorization
With a Medigap plan there is no need to receive authorization prior to receiving medical services. With a Medicare Advantage plan, however, you may need prior authorization before you can receive certain medical services.
No Referrals
Medigap plans do not require referrals. For example, there's no need for your primary care physician to submit a referral in order for you to see a radiologist, cardiologist, etc. Under a Medicare Advantage plan, on the other hand, in order to see a specialist, you'll need to obtain a referral.
No Network Limitations
With a Medicare Advantage plan, remember that you'll be enrolled in a network (for example, an HMO or PPO) and receive medical care from a doctor in that network. There are no networks with a Medigap plan.
No Travel Limitations
A Medigap plan covers you anywhere you travel in the United States. Some plans have emergency coverage when you travel outside the United States. Again, with a Medicare Advantage plan, you can be limited by your network.