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Medicare SELECT plans are a type of Medigap plan that is sold in some states in addition to the traditional Medigap plans.
Medicare has a pre-defined payment schedule for each service or procedure.
This is the amount that they will pay to a provider for a certain service or procedure, and it is based on where you are located (varies by location).
Even when doctors do charge excess charges, many of the standardized Medigap plans cover these Part B Excess charges, including Plans F and G.
Plan N is the most common plan among the plans that do not cover Part B excess charges.
If you live in the following states you are protected from excess charges due to MOM (Medicare Overcharge Measure): Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont.
Accepting assignment is a real concern for those who have Original Medicare coverage.In this case, Susan could be responsible for the excess charge. Excess charges can be easily avoided altogether by simply asking your doctor if he or she accepts “Medicare Assignment.” If they do, they cannot overcharge the Medicare-approved amount.In addition, Plans F and G covers excess charges at 100%.What is a SELECT plan and how does it differ from a regular Medigap plan?SELECT plans provide the same coverage as traditional Medigap plans; however, they have a network that you must stay within to receive those benefits.Medicare SELECT plans are the only type of Medigap plan that has a network, and they are not commonly sold or purchased in most states.We often get this question in January and February of each year.For Medigap plans, this is dependent on whether your doctor accept Medicare itself. In other words, if a doctor or hospital accepts Medicare (your primary coverage), they will also accept your Medigap plan, regardless of which company or plan you have. If your doctor is a non-participating provider with Medicare itself (rare), then they will NOT accept your Medigap plan either.If Medicare is not accepted, there is nothing for the Medicare Supplement/Medigap plan to “supplement”.Inevitably, what has happened is the person is on a Medicare Advantage plan that they are mistakenly calling a Medicare Supplement.The Advantage plans all have networks and are typically PPOs or HMOs.