Check the exact plan
Ask whether your doctors, specialists and hospitals participate in the specific plan—not simply whether they accept a particular insurer.
Ask about the pathway to care
What happens when you need a specialist? Are referrals or prior authorization required? What rules and costs apply away from home? Request answers from the plan documents.
Include prescription needs
Review medicines, doses, pharmacies and coverage restrictions. A medical network review alone does not answer the drug-cost question.
Compare your options
Medicare Advantage and Medigap are different coverage paths. Medigap works with Original Medicare, not as coverage for Medicare Advantage copayments. Ask which arrangement fits your circumstances before applying.