@rola. The issues with insurance acceptance usually are because the “advantage “ plans limit where a patient can be seen and by whom. They have control of if they will pay the bill or not and often they will only cover providers on their list. Often they limit patients to care in the state where they live.

The advantage of real Medicare is that it can be used anywhere in the country with providers who accept Medicare. If you can only see one doctor approved by the Advantage plan and many other patients are in line waiting it can be bad if you have an urgent situation and cannot go anywhere else. My physical therapist told me about a case where a diabetic patient needed wound care and ended up waiting 3 weeks to be seen because they would only cover one doctor. He lost his leg because the infection spread.

My PT also says that advantage plans can review a case a couple years later, and reverse the decision to cover the service and take the payment back from the provider. She will not accept Advantage plans for that reason. You can always ask your insurance provider if you have questions.

Jennifer