Your Doctor or Your Insurer? Little-Known Rules May Ease the Choice in Medicare Advantage

Bart and Barbara Klion faced a dilemma when their Humana Medicare Advantage plan was dropped by Saratoga Hospital, threatening their access to their doctors. Bart fought to keep his doctors, contacting multiple organizations for help. Medicare Advantage plans have become popular but have downsides, such as limited provider networks and disputes between insurers and providers forcing hospitals out of networks. Patients like Mary Kay Taylor have been left in limbo during these disputes. Limited choices and the risk of losing access to providers have led to challenges for many Medicare Advantage beneficiaries, prompting concerns about the future.

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