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If your doctors stop accepting your plan, you may need to switch plans during an enrollment period, find new doctors within your network, or pay higher out-of-network costs, depending on your plan type.
The Medicare giveback is a real plan feature that reduces your Part B premium, but it's marketed aggressively and doesn't make a plan right for everyone. Always look at the full plan, not just the giveback amount.
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.
Medicare Advantage provider networks can change every year. Doctors and hospitals are not required to stay in a plan's network, and plans can add or remove providers at any time, though major changes typically take effect at the start of a new plan year.
SelectHealth Medicare Advantage plans have the most consistent access to Intermountain hospitals, given the ownership connection between the two organizations. Other carriers may include Intermountain facilities, but you should verify before enrolling.
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.
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.