What is Medicare SELECT?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.

Read Next: How Do Medigaps Work in Massachusetts, Minnesota, and Wisconsin?
Find Out: Do Medigaps Work With Medicare Savings Programs (MSPs) and Medicaid?
Return to: Medicare Supplement

This content was created and copyrighted by the Medicare Rights Center ©2020. Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities. These materials are presented here with support from YourMedicare.com and may not be distributed, modified or edited without Medicare Rights’ consent.

YourMedicare.com takes pride in providing you as much information as possible concerning your Medicare options, but only a health insurance broker licensed to sell Medicare can help you compare your plan options from various insurance companies. When you’re ready, we recommend you discuss your needs with a YourMedicare.com Licensed Sales Agent.