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

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To keep your doctors and other providers, your new plan may have to be a Medigap plan instead of an Advantage plan.

Online doctor and provider databases -- whether from a health system, an insurer, a sales agency, or on the official Medicare plan directory -- are not reliable. Fragile, constantly-changing, second-hand information -- and may not be valid for the coming year.

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

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

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

Some doctors, especially specialists, have multiple affiliations or locations -- they may not be in-network at the location where you receive treatment.

For example, as of 10/25/26, Sutter/PAMF lists many Advantage plans -- but several major carriers are tagged "Currently in Contract Negotiations."