Elizabeth from Schenectady, NY was enrolled in a Medicare Advantage HMO plan with a standard co-pay for her specialist visits. Her provider did not participate in the HMO’s network and so Elizabeth looked at a PPO plan which would allow her to see providers both in and out of a Medicare Advantage plan.
Because Elizabeth has over five specialist visits monthly, we determined the monthly premium for a Medicare Supplement Plan F was less than the total co-pays for her five or more monthly specialist visits.
