The short answer is, YES! Because Medicare is primary and your supplement is secondary, networks will not differ in any way between insurance companies. You have the same access to providers with almost all plans.
When you got to see your doctor, you just present your Medicare and supplemental ID cards and they take care of the rest. In fact, most Medicare supplements coordinate through Medicare which means you don’t have to worry about the billing process whatsoever.
It does not matter which Medicare supplement insurance company you choose. It can be a very large well-known company like United Healthcare – or it can be any number of smaller insurance companies you may not be familiar with. The networks are the same. If they accept Medicare, then they’ll accept your supplement. The billing will be the same and hassle-free.
Our advice: Don’t narrow your Medicare supplement insurance options to only a few large companies. There are several smaller companies with very good reputations and below average rate increases. The smaller players are very much worth a look in our opinion!
Many of the larger companies have thousands of policyholders. This usually results in several claims. Higher claims means larger premium increases. Smaller companies that are a little further from the main stream don’t usually have these same issues can can usually hold rates lower for a longer period of time.