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Whether your hospital is included depends on which Medicare Advantage plan you choose and whether that hospital has contracted with it. You need to verify this directly before enrolling, because hospital participation changes and directories aren't always current.
MOOP stands for Maximum Out-of-Pocket. It is the most you would have to pay in a calendar year for covered medical services under a Medicare Advantage plan, after which the plan pays 100% of covered costs for the rest of the year.
SelectHealth Medicare Advantage plans are the most closely aligned with Intermountain Health's physician network, since SelectHealth is owned by Intermountain. Other carriers may include some Intermountain-affiliated doctors, but coverage varies by plan and location.
Medicare Advantage plans generally cover out-of-network emergency care, but non-emergency care at an out-of-network hospital may cost significantly more or may not be covered at all, depending on your plan type.
If your doctor leaves your Medicare Advantage network, you may need to find a new in-network provider or pay higher out-of-pocket costs to keep seeing them. You may qualify for a Special Enrollment Period to switch plans in some cases.
Many Medicare Advantage plans include drug coverage (called Part D), but not all of them do. You need to check each specific plan before enrolling.
Peter Abilla is a licensed Utah Medicare agent. He can walk you through this plan's costs, coverage, and whether your doctors are in-network.