Why Does Medicare Supplemental Have a Limited Network?

Researched by Greg Published - March 26, 2015
Last Updated - March 26, 2015

How can my supplemental insurance (Empire Plan Blue Cross/Blue Shield) only cover me in certain states? I have Medicare and this supplemental. Medicare is wonderful insurance, but can’t say the same about my supplemental. We have to travel to FL, AZ or any of the few states where they offer participating physicians. I pay the same as everyone else, but I can’t use my supplemental insurance. Can they do this under the ACA?

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Pat Reinhardt

Thank you. I will definitely check out the coverage during the swap period.

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