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 Nov 26, 2025)

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. ( https://www.medicare.gov/plan-compare )

That is fragile, constantly-changing, second- or third-hand information -- and may not be valid for the coming year.

Examples:

- As of Nov 24, Sutter/PAMF lists many Advantage plans, but none from UnitedHealthcare -- "Currently in Contract Negotiations.")

- The AlightRHS site has a dangerous "Doctor" filter bug: 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. This bug was reported to the HPAA's management contact at Alight. "We are overly cautious when making updates to our system during the enrollment period. In the meantime, retirees may want to review doctors / networks individually on the site to ensure they are returning the true number of doctors that would be expected. I know this is not convenient. I do apologize." --HPAA's AlightRHS management contact, 10/20/25.

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.)

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."

Menu of Benefits Enrollment pages: Enrollment Menu 

Next step: Menu of key Enrollment issues: https://www.hpalumni.org/enroll-menu

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