Keeping the same doctors, hospital, and other providers. (Whether or not receiving benefits subsidized by HPInc or HPE.)

Menu of Benefits Enrollment pages: Enrollment Menu 

Based on reports from HP Alumni Association members who have completed enrollment. Join forums: https://www.hpalumni.org  Not officially endorsed or supported. Question? Email us: info@hpalumni.org  (Updated Dec 5, 2025)

Summary: Check directly with the doctors' offices to determine if your current doctors and other providers will be accepting the Medicare plan that you are considering for next year. Ask for the "billing specialist" or the "billing office."

To keep your doctors, your new plan may have to be a Medigap plan instead of an Advantage plan. Details: https://www.hpalumni.org/enroll-advantage-medigap

It is unrealistic to rely on any online database -- whether from a health system, or from an insurer, or from an insurance sales agency (including AlightRHS) -- or even the official Medicare plan directory -- for plan coverage information on doctors and other providers. That is fragile, constantly-changing, second-hand information -- and may not be valid for the coming year.

Check directly with the doctors' offices to determine if your current doctors and other providers will be accepting the Medicare plan that you are considering for next year. Ask for the "billing specialist" or the "billing office." Some only accept existing patients.

- Advantage: Specify whether you are an existing patient, and ask if they will be accepting that specific Advantage plan next year.

- Medigap: Specify whether you are an existing patient, and ask if they will be accepting Medicare next year. (With Medigap, you can see any provider that accepts Medicare.)

Don't let agent enter doctors (or enter them yourself) -- just act like you will accept any doctors in the plan.

Examples:

- As of Dec 4, Sutter/PAMF lists many Advantage plans, but none from UnitedHealthcare -- "Currently in Contract Negotiations."

- AlightRHS bug when filtering on doctors. When you are looking at Advantage plans, you can filter based on the doctors that you entered earlier in the process. However, if you check more than one Doctor box in the filter dropdown, instead of displaying only plans that are accepted by all of your doctors, the program lists *any* plan that is accepted by *any* of the doctors. .

- The AlightRHS website uses the same "plan recommendation tool" that the AlightRHS agents use. Some of the questions asked, such as location and age, are required to select and price plans. Other questions are optional. The system uses "...information you provide about your doctors and prescription drugs to give each plan a score that's tailored to you."

   One member wanted to convert from an HPInc group plan from a major HMO -- Kaiser -- to an individual plan at the same HMO. The agent entered the names of their current PCP and specialists. The AlightRHS system falsely indicated that each of their doctors was closed to existing and new patients. However, each of the doctor pages on the HMO's public website showed that they are just not accepting *new* patients. The Alight agent looked at the HMO website, but still would not complete the application.

Some doctors have multiple affiliations or locations. Especially common with specialists. "I checked to see if this physician was in network and she was BUT as it turned out, NOT in the location where I went for treatment. I discovered this when I only received a portion of the amount of the reimbursement I expected."

Link to this page: https://www.hpalumni.org/enroll-providers

Menu of Benefits Enrollment pages: Enrollment Menu 

Next step: Menu of key Enrollment issues: https://www.hpalumni.org/enroll-menu (Membership not required.)

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