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How do I check whether my doctor accepts Medicare and is in-network?

How do I check whether my doctor accepts Medicare and is in-network?

Providers
Last updated: 
April 10, 2026
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The short answer

To check if your doctor accepts Medicare, call their office and ask directly. To check if they're in-network for a specific plan, use that plan's online provider directory or call the plan's member services number. These are two different questions with different answers.

The full explanation

This is actually two separate questions that often get mixed up, and the difference matters.Accepting Medicare means the doctor has agreed to bill Medicare at all. Most doctors in the U.S. do, but not all. A doctor who accepts Medicare as a patient is called a Medicare-participating provider. Some doctors accept Medicare but only at a limited rate, called non-participating providers, which can result in extra charges for you. A small number opt out entirely and cannot bill Medicare at all. The simplest way to check: call the office and ask if they accept Medicare.Being in-network is a separate question that only applies if you have a Medicare Advantage plan (Part C). Medicare Advantage plans are run by private insurance companies, and each one has its own network of doctors and hospitals. A doctor who accepts Medicare may still be out-of-network for your specific Advantage plan, which usually means higher costs or no coverage at all.To check in-network status for a Medicare Advantage plan, go to the plan's website and use their provider directory, or call the member services number on your insurance card. These directories can change during the year, so it's worth confirming directly with both the plan and the doctor's billing office before scheduling care.Original Medicare (Parts A and B without an Advantage plan) doesn't use networks in the traditional sense, so any Medicare-participating doctor nationwide will accept your coverage.

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In 

Ohio

 specifically

If you're on a Medicare Advantage plan in Ohio, major carriers like Regence, and others each maintain separate provider networks. and University of Ohio Health are large systems that may or may not be in-network depending on your specific plan, so always verify before assuming. Ohio residents can also get free Medicare counseling through the Ohio Senior Health Insurance Information Program.

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What this means for you

For you, this means a quick phone call to both your doctor's office and your insurance plan before an appointment can save you from an unexpected bill later.

Related Questions

Do all doctors accept Medicare?

What is the difference between a doctor accepting Medicare and being in-network for a plan?

What if the plan directory says my doctor is in-network but the office says they are not?

Will I be able to keep my current doctors with Medicare?

Still have questions about Medicare?

Book a review with a licensed Medicare advisor.

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