Medicare SELECT is a type of Medigap policy offered by some insurers in some states. A Medicare SELECT policy may require that you use hospitals, and in some specific circumstances, doctors within its network in order to receive for full benefits.
If you purchase a Medicare SELECT policy, you are still buying a standardized plan that offers the same cost coverage as a non-SELECT plan with the same letter. The difference is that Medicare SELECT policies have network restrictions. These policies are usually less expensive than other Medigap policies, but if you do not use a SELECT hospital or doctor for non-emergency services, your cost will be higher because you will have to pay some or all of what Original Medicare does not pay. These network restrictions only apply to your Medicare SELECT policy. Your Original Medicare benefits are not affected by getting care outside of the SELECT plan network.
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