Medicare SELECT is a type of Medigap letter plan that offers a limited network of providers (typically in exchange for lower premiums).

Otherwise, each letter plan will offer exactly the same cost-sharing and benefits as a regular Medigap plan.

Here are a few important things to know about SELECT plans:

  • SELECT plans typically offer lower premiums in exchange for a limited network compared to non-SELECT plans.
  • SELECT plans are only offered in certain regions.
  • In a given region only some letter plans may offer a SELECT option.
  • SELECT plans will generally require a referral from a primary care doctor to see a specialist.
  • SELECT plans have networks of providers, so you’ll have to stay within network for the plan to cover you. The only time care is covered out-of-network on SELECT plans is in an emergency.

FACT: SELECT plans are like HMOs, where HMOs typically lower premium costs by requiring referrals and negotiating with doctors in a limited network.

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