You have a health care physician who has been taking care of you for several years, and you want to continue seeing her. Perhaps you have recently retired to a new place and need a doctor. You’re pleased with your current service provider but are open to a change.
Whether you’re a newbie to Medicare or are assessing your policy during open enrollment, choosing the best physicians for your budget and needs is how Medicare will work for you. Here are some things you should put into consideration:
1. Do they take Medicare?
There are numerous ways a service provider can be part of the program:
Participating. Here, the providers will accept what’s provided on Medicare’s fee schedule as their complete payment from the program. However, you or your insurance will be liable for 20%.
Non Participating. Providers accept approved payment for Medicare but are permitted to charge 15% over that. This is what is referred to as a limiting charge.
Opt out. Buyer beware. Here, patients are charged whatever they want.
Medicare Supplement plans network with doctors. If a provider is outside the network, then chances are you’ll pay considerably more.
2. Interview your potential doctors
A gerontological nurse practitioner from Livonia, Michigan, Deborah Dunn, says many people receive doctors’ information via word of mouth. However, she recommends that individuals meet new physicians and hear what they describe as “geriatric sensitivities.” For instance:
Have they asked you what’s happening in your life, like has a loved one like a grandchild or child died? Undergoing grief like that can lead to physical ailments such as trouble breathing. Are they interested in knowing the type of support system is available at home? Do you stay by yourself? Are you safe?
3. Searching for a geriatric practice?
The site for The Health in Aging Foundation is healthinaging.org and will allow you to search for geriatric experts by zip code and state.
