FAQ

Medicare Advantage questions

Clear answers for patients, caregivers, and California-licensed Medicare brokers about MD Senior Care, participating physicians, and how to verify plan-specific details.

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For patients and Medicare brokers

10 practical questions about your care

Answers for Medicare Advantage patients, caregivers, and California-licensed brokers. Select a question for practical guidance and next steps.

Is MD Senior Care my Medicare Advantage insurance plan?

No. MD Senior Care Medical Group is an independent physician association (IPA) that works with participating medical practices and supports coordinated care. It is not Medicare, a government agency, or a health insurance plan; your health plan is responsible for your coverage and benefits under its rules.

Learn about our care model

Medical-group and health-plan roles

Does my specific Medicare Advantage plan work with MD Senior Care?

Confirm with your health plan using the exact plan product, plan ID and coverage year, your county, and the physician's office location. Ask whether MD Senior Care and your preferred physician participate for that specific plan. A carrier name or logo on this website is not confirmation of your individual coverage or network status.

View participating offices

Medicare network guidance

How do I confirm or change my PCP and IPA assignment?

If your plan uses primary care physician (PCP) or medical-group assignments, call Member Services on your plan card to confirm your current PCP and IPA. If you want a change, ask the plan which options are available and when the change would take effect. Scheduling an appointment or contacting this website does not itself change your assignment.

Find an office to discuss with your plan

Medicare HMO guidance

How do I find a primary care office accepting new patients?

Use our locations page as a starting point, then call the office to confirm its address, language support, appointment availability, and new-patient status. Separately ask your health plan to verify that the physician at that location participates under your exact plan and any required IPA assignment. A directory listing does not reserve an appointment or establish coverage.

Find a participating office

Medical-group and health-plan roles

Can I use any specialist or hospital associated with my doctor?

Check the specific specialist, hospital, laboratory, or imaging location with your plan before planned care. In some plans, choosing a PCP also affects the hospital and specialty networks available to you. An IPA or physician listing alone does not confirm every facility or clinician is covered; ask your care team about referral arrangements and your plan about network participation.

Understand coordinated care

Medicare provider-network guide (PDF)

Will I need a referral or prior authorization?

Most Medicare Advantage HMOs require specialist referrals, with exceptions; PPOs generally do not require a specialist referral. Either type may require prior authorization for certain services or supplies. Follow your specific plan's rules and ask your care team how to arrange the required request; a referral is not a guarantee of coverage or approval.

Find the referrals department

Compare Medicare Advantage plan rules

Who can help with benefits, a medical bill, or a coverage denial?

For benefits, eligibility, or cost-sharing questions, contact your health plan's Member Services. For a bill, ask the billing office and your plan to explain the charge and coverage decision. If you disagree with a Medicare Advantage coverage or payment denial, follow the appeal instructions and deadlines in the plan's written notice; provider claim-submission resources do not replace that member appeal process.

Administrative contacts · Provider claims resources

Medicare Advantage appeal instructions

What should I check if I change plans while receiving care?

You can join, change, or leave a Medicare Advantage plan only during an applicable enrollment period or qualifying special circumstance. Before a change, ask how your current doctors, prescriptions, referrals, and active treatment will be handled. Confirm the effective date and any transition-of-care arrangements with the new plan; do not assume every provider or authorization transfers automatically.

Check offices before discussing a change with your plan

Medicare enrollment guidance

What should I do for an emergency or an urgent medical concern?

For a medical emergency, call 911 or go to the nearest emergency department; do not wait for a routine appointment or referral. HMO network rules include exceptions for emergency care and out-of-area urgently needed care. For an urgent concern that is not an emergency, contact your primary care office or health plan for current care options.

Non-emergency administrative contacts

Medicare HMO guidance

What should a California-licensed broker verify when assisting a member?

With the member's permission, confirm the exact plan product and plan ID (contract/PBP if available), coverage year, ZIP code and county, and the PCP, office, and IPA relationship with the health plan. A broker license alone is not permission to access medical records. For member-specific requests, follow the IPA's and plan's identity, representation, and authorization procedures. Do not send member IDs, medical records, or other sensitive information through ordinary email or this public website.

Ask about the appropriate administrative channel

HHS privacy and authorization guidance

Medicare Advantage health plans

Select a health plan below to visit its official website.

SCAN Health Plan logoImperial Health Plan of California logoAlignment Health Plan logoElite Health Plan logoHumana Medicare Advantage