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

Original Medicare (Parts A and B) works with almost any doctor, specialist, or hospital in the country that accepts Medicare. Most providers do, though it is always worth confirming a specific doctor accepts Medicare assignment before your first visit.Medicare Advantage is different. These are plans run by private insurance companies, and they use networks. Some are HMOs, which generally require you to use in-network providers and get referrals to see specialists. Others are PPOs, which give you more flexibility but usually cost more when you go out of network. If your doctor is not in a plan's network, you may pay significantly more or not be covered at all.Before you enroll in any Medicare Advantage plan, look up your doctors on that plan's provider directory. Do not rely on a general list of doctors who accept Medicare. Acceptance of Medicare and participation in a specific Advantage plan are two different things. Provider networks also change from year to year, so a doctor who was in-network when you enrolled might not be in-network the following January.If keeping a specific doctor is your top priority, Original Medicare paired with a Medicare Supplement plan (also called Medigap) tends to offer the most flexibility. Plan details vary, and you should verify current network information directly with the carrier before enrolling.