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Finding Medicare Providers: Which One Is Right For You?

5 mins read
Our goal is to give you the tools and confidence you need to improve your health and finances. Although we may receive compensation from our partner insurance companies, whom we will always identify, all opinions are our own. CoverRight Inc. and CoverRight Insurance Services Inc. (NPN: 19724057) are collectively referred to here as "CoverRight".

A key aspect of utilizing Medicare coverage is finding the right providers who meet your specific healthcare needs. Providers include medical organizations,  institutions, and individual healthcare professionals who provide services to Medicare beneficiaries. 

In this article, we address the significance of comparing Medicare providers and finding the ones that work to your best advantage.

Why Is it Important to Find the Right Medicare Providers?

Your healthcare provider plays a significant role in delivering the medical services and treatments you require. But not all providers are equal in terms of the services they provide, the extent of coverage, service terms and conditions, and the geographical areas they serve. 

Finding providers who are a good fit for your needs ensures that you receive quality care, have access to necessary treatments, and can effectively manage your health conditions. Whether you are seeking primary care physicians, specialists, hospitals, or home healthcare providers, you must make the right choice of Medicare providers. 

Understanding Medicare Provider Networks

A provider network is a group of hospitals, doctors, and pharmacies that provide healthcare services according to guidelines and payment structures approved by a regulatory authority – in this case, Medicare. 

Depending on the particular Medicare provider network, there may be differences in the range, nature, or extent of services offered. 

What are Medicare Provider Networks (Original Medicare vs. Medicare Advantage)?

Medicare offers two primary options for coverage: Original Medicare and Medicare Advantage. 

Original Medicare consists of two parts. Part A (Hospital Insurance) covers inpatient hospital and skilled nursing services. Part B (Medical Insurance) covers outpatient services, doctor visits, and certain preventive services and procedures. 

Original Medicare plans give you the freedom to choose any healthcare provider who accepts Medicare.

On the other hand, for-profit insurance companies approved by Medicare can provide Medicare Advantage plans (Part C). These plans cover all the benefits provided under Original Medicare, plus prescription drug coverage and dental, vision, and hearing services. 

Both Original Medicare and Medicare Advantage plans have their respective provider networks that provide services to beneficiaries. 

In-Network vs. Out-of-Network Providers

Hospitals, doctors, and pharmacies that meet relevant eligibility criteria and agree to Medicare decided rates for covered services are collectively referred to as in-network providers. Beneficiaries approaching an in-network provider can expect to be fully covered for healthcare services, subject to the terms of their particular Medicare plan. 

Healthcare providers who either do not meet Medicare eligibility criteria or refuse to accept Medicare-approved discounted rates for healthcare services are called out-of-network providers. 

Choosing the right provider network can make a huge difference to Medicare beneficiaries. Let’s understand this further in the following section.  

Importance of Selecting Providers Within the Network

The biggest advantage of selecting an in-network provider is that it works out cheaper for beneficiaries. 

In-network providers offer lower rates in exchange for being part of the provider network. Depending on the terms of your plan and the particular service availed, that means you either pay nothing out-of-pocket or only a portion of the total cost. 

On the other hand, you can end up paying full price for a healthcare service if you opt for an out-of-network provider. Alternatively, you may have to pay the difference between what Medicare will pay for a service and what the provider charges you for it. In either case, you’re looking at paying more than you would to an in-network provider. 

There are other significant benefits of staying within the Medicare network besides cost savings. 

In-network providers adhere to standards of care defined by Medicare. They also have established relationships with Medicare, which makes the process of billing and claims smoother. 

In short, you can maximize your coverage, minimize unexpected expenses, and enjoy a more streamlined healthcare experience when you choose an in-network provider.

Types of Medicare Providers

Let’s now discuss the various organizations, institutions, and individuals that count as Medicare providers. 

Primary Care Physicians (PCPs)

Primary care physicians (PCPs) play a central role in managing your overall health and well-being. They act as your main point of contact for routine checkups and preventive care. They are responsible for initial diagnoses and treatment of common illnesses. PCPs are especially important because they also coordinate referrals to specialists, whenever needed.


Specialists are healthcare professionals who focus on specific medical areas or conditions. They have specialized knowledge and expertise in diagnosing and treating complex health issues. Depending on your medical needs, you may require the services of a specialist such as a cardiologist, dermatologist, oncologist, or orthopedic surgeon, among many others. Make sure your Medicare plan covers visits to specialists relevant to your health conditions.

Hospitals and Healthcare Facilities

Together, hospitals and healthcare facilities comprise a key component of Medicare provider networks. They are vital in case of emergencies, hospitalizations, surgeries, or specialized treatments. Consider the proximity and reputation of hospitals and healthcare facilities in your area when choosing a Medicare provider network. 

Home Healthcare Providers

Home healthcare providers offer valuable services for individuals requiring medical care in the comfort of their homes. Home healthcare providers deliver skilled nursing care, therapy services, and assistance with daily activities to individuals who are homebound due to illness, injury, or chronic conditions. Medicare may cover certain home healthcare services, so check available coverage options before choosing a plan. 

Other Providers

In addition to the Medicare providers listed above, other healthcare professionals play significant roles in the overall Medicare ecosystem. That includes pharmacists, physical therapists, occupational therapists, mental health professionals, and medical equipment suppliers. Ensuring comprehensive coverage means you must consider all of these healthcare professionals as well when you make any decision regarding your Medicare coverage. 

Finding Medicare Providers

There are several ways to go about finding Medicare providers – here are the more efficient ones: 

Online Resources and Directories

The internet provides a wealth of information and resources to help you find the perfect Medicare provider for your specific healthcare needs. The official Medicare website offers a handy tool that lets you easily find and compare Medicare providers. You can use it to search for healthcare providers by location, specialty, and other variables. This tool readily identifies providers who meet your specific criteria and are within your Medicare plan’s network.

You can also visit CoverRight for comprehensive Medicare assistance and personalized guidance to find providers that align with your particular needs.

Asking for Recommendations

Word-of-mouth recommendations from trusted sources can be valuable when you are looking for Medicare providers. Reach out to friends, family members, or local support groups who have experience with Medicare for their recommendations. Their firsthand experiences can provide valuable insights and help you identify providers known for their quality care and patient satisfaction.

You can also consult with your primary care physician for guidance on the matter. They have extensive connections within the healthcare industry and can help point you in the right direction. 

Contacting Medicare Directly

If you have specific questions or concerns about provider availability or coverage, contact the official Medicare website for inquiries. You can also dial the Medicare national helpline number (1-800-633-4227) to speak to a customer service representative. 

Use CoverRight to Find the Right Medicare Provider 

Navigating the complicated ins and outs of Medicare can be daunting for anybody.  

CoverRight simplifies that challenging process by providing expert guidance, resources, and concierge-level support. So you can always make informed decisions about your healthcare needs. 

Visit us today to find the Medicare plan that’s just right for you

Frequently Asked Questions

Q. How do I find Medicare providers in my area?

You can use the Medicare Find and Compare tool or contact CoverRight to find Medicare providers in your area, besides asking friends, family, or local support groups for recommendations. Your primary care physician can also help identify reliable providers in your network. 

Q. Can I continue seeing my current doctors under Medicare?

That depends on your particular Medicare plan. If you want to keep seeing your current doctors, you must first confirm they are an in-network provider for your specific Medicare plan.

Q. Do all Medicare providers operate similarly?

Medicare providers must adhere to certain requirements, but there may be differences in the level of care and services they offer. You can compare Medicare providers by looking into patient feedback, provider ratings, and recommendations from reliable sources.

Q. Can I change my Medicare provider at any time?

You have the freedom to switch Medicare providers, in general. Changing providers, however, may be subject to restrictions or requirements under some plans, particularly in the case of Medicare Advantage plans. Consult your Medicare plan terms for details. 

Richard Chan

Richard is the Founder of CoverRight and based in New York. He is passionate about empowering consumers to take control of their health and finances. Prior to starting CoverRight, Richard had extensive experience working in financial services with over 8 years' experience in consumer lending and investment banking.

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