No HMO or PPO restrictions – no doctor or hospital networks!  Recommendations I make do not include any restrictive HMO or PPO plans.  (Those are commonly known as Medicare Advantage Plans.)

I only recommend Medicare supplement (Medigap) plans! My recommended plans offer the insured complete freedom of choice to seek medical treatment from any doctor or hospital that does business with Medicare. No referrals are required to seek treatment from specialists at any time.

About 90% of doctors and almost 100% of hospitals accept Medicare payments; More than 80% of Medicare approved doctors are accepting new patients.

Click here to buy your Medicare supplement now.