Social Security Supplements
If you enroll in a SS Supplement that is included in your regular SS payments, how do you work out of area doctors and other things?
Forum Discussion
To attempt to give you a helpful answer, the standard Medigap policies are usable nationwide, as is Medicare itself. You pay for those policies yourself.
The policies that can have regional issues are those called Medicare Advantage which are basically HMO's or PPO's and often require you to use a specific set of doctors. Quite often Advantage policies don't require an extra premium so that is where you may have gotten the idea that they are paid for out of your SS payment.
Which type of policy makes sense for you depends on how often you travel and how far from home you go. As full-timers we only considered policies that provided nationwide coverage.
The policies that can have regional issues are those called Medicare Advantage which are basically HMO's or PPO's and often require you to use a specific set of doctors. Quite often Advantage policies don't require an extra premium so that is where you may have gotten the idea that they are paid for out of your SS payment.
Which type of policy makes sense for you depends on how often you travel and how far from home you go. As full-timers we only considered policies that provided nationwide coverage.
