HFI Agency

What is Prior Authorization and Why Does It Matter?
Some Medicare plans require approval before certain procedures, tests, or medications are covered. This process is called prior authorization, and it helps make sure the service is medically necessary before your plan pays for it.

Did you know you can usually change your Primary Care Provider (P*P) if needed? If your doctor retires, leaves the network, or you simply prefer a different provider, most Medicare plans allow you to update your P*P.

Before choosing a Medicare plan, make sure you ask the right questions. Your doctors, prescriptions, and healthcare needs should all play a role in the decision.

Planning a surgery or procedure? Make sure your doctor, specialist, and the facility are in-network with your insurance plan before your appointment to help avoid unexpected costs.

Just because a doctor is accepting new patients doesn’t always mean they accept every insurance plan. Always check that they are in-network with your coverage first.

Need to see a specialist? Make sure they are in-network with your Medicare plan before scheduling your visit. A quick check can help avoid unexpected costs!

Did you find out your doctor isn’t in your plan’s network? There may still be options depending on your plan type. If you ever need help checking your coverage or doctors, I’m happy to help!

Have an HMO Medicare plan? Your Primary Care Doctor usually needs to send a referral before you see a specialist. If you ever have questions about referrals or your plan, I’m happy to help!

Wishing you good luck, great health, and a day full of smiles. I’m grateful for all of my wonderful clients and the opportunity to help you navigate your Health coverage!

Your Primary Care Doctor plays a big role in how your Medicare plan works. Making sure they are in-network and listed correctly can help prevent billing issues and keep your care running smoothly. If you ever need help checking your plan, I’m always happy to help!

Not sure what the difference is between HMO and PPO plans? Understanding how they work can help you choose the right Medicare coverage. If you ever have questions about your options, I’m always happy to help!

Do you currently have an HMO or a PPO?