Can I Have Two Primary Care Physicians?
Fair Square Medicare

Can I Have Two Primary Care Physicians?

cartoon hospital and male doctor stock image

By Daniel Petkevich

Oct 3, 2022

Everything You Need to Know About Having Multiple Primary Care Physicians

Whether for an annual check-up or bringing a health concern to a familiar face, having a primary care physician you trust is beneficial.

Stay up to date on Medicare

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

Some prefer to stick to just one doctor, while others like to get a second opinion or consult different specialists for specific health needs.

But when it comes to choosing a primary care physician, you may have questions:

  • When should I consult a PCP?

  • Can I see two different PCPs?

  • Will I get coverage if I consult two doctors?

Let's find out whether you need a primary care physician and if you can consult more than one.

What Is a Primary Care Physician?

A primary care physician (PCP) is a medical doctor responsible for preventing, treating, and managing routine health problems.

They help you with:

  • Preventive care

  • Treatment of common illness

  • Early screening

  • Managing chronic diseases

  • Referrals to specialists

Your PCP is the first person you see when you have an undiagnosed health issue or injury.

They also provide ongoing care for chronic problems —helping you manage your condition and stay healthy — and coordinate with specialists when necessary.

Do I Need a Primary Care Physician?

You don't need a PCP, but having one makes doctors' visits easier.

Whenever you visit a doctor for the first time, you have to review your medical history, list your current medications, and answer any questions that arise.

By seeing a PCP who knows your health conditions and medical history, you can fast forward through your backstory and get the help you need.

Benefits of Having a PCP

  • Have a go-to doctor for all your medical needs

  • Have a doctor who is familiar with you — your lifestyle, your medical history, and your daily challenges

    • This ensures you get the best available treatment

  • Stay healthy and manage your condition more effectively

    • Ultimately, lower your hospital stays and medical bills

  • Have a practitioner who can adjust your medications — as your condition improves or worsens

  • Get screening tests — detect problems before symptoms start

  • Get trusted referrals to good specialists

Can I Have Two Primary Care Physicians?

While it's good to have a PCP, some prefer to have two.

There are several reasons for this.

For example, some people have two homes — a winter home and a summer home — in two different states. They might prefer to have one doctor in each state.

So, how do you know if you qualify for two PCPs?

Well, that depends on your health insurance plan.

Let's look at a few plans and see whether they provide coverage for two PCPs:

PCP Coverage for Original Medicare

If you have Original Medicare, you can have two PCPs if you feel it's necessary (e.g., you live in multiple states, or your work requires frequent/extended travel).

Medicare doesn't limit the number of PCPs you can have.

However, you can't consult them on the same calendar day.

PCP Coverage for Medigap Plans

Since Medigap plans are extensions of Original Medicare, you can have two Primary Care Physicians. You are not restricted to a specific network, so you can visit any doctor's office or hospital that accepts Medicare.

In addition, some Medigap plans cover foreign travel emergencies. For example, if you travel outside the U.S. and need emergency care, your plan will cover 80% of the costs (after you pay the deductible).

PCP Coverage for Medicare SELECT Plans

If you have a Medicare SELECT Plan, your coverage is limited to a specific network of hospitals and doctors.

Check with your plan provider before choosing a second primary care physician.

PCP Coverage for Medicare Advantage Plans

Coverage for Medicare Advantage depends on the plan you select:

  • HMO (Health Maintenance Organization) plans — typically cover only one PCP

  • PPO (Preferred Provider Organization) plans — might cover two Primary Care Physicians

  • PFFS (Private fee-for-service) plans — might cover two Primary Care Physicians

  • SNP (Special Needs Plan) — typically covers only one PCP

Check with your provider for more info.

Takeaway

A primary care physician can make doctors' visits more comfortable and help you stay on top of your health conditions.

Some people might even prefer to see two PCPs.

Consulting two physicians is possible, but coverage depends on your specific health insurance plan:

  • If you have Original Medicare or Medigap — you can see two PCPs

  • If you have Medicare Advantage or Medigap SELECT — your coverage may vary

If you're unsure whether your plan allows you to have two primary care physicians, our experts are here to help.

Give us a call at 1-888-376-2028.

Stay up to date on Medicare

Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.


Learn More About Medicare

heart surgery stock image

How Much Does Open Heart Surgery Cost with Medicare?

2023-01-27

senior african american man feeling pain in his knees from arthritis while on a couch stock photo

How Much Does Xeljanz Cost with Medicare?

2023-01-25

Doctor talking to patients are explaining the treatment of a patient's illness stock photo

How Much Does Rexulti Cost with Medicare?

2023-01-24

Human hands holding healthy lung shape made from paper on light blue background. stock photo

How Much Does Trelegy Cost with Medicare?

2023-01-24

Female physiotherapist helping elderly man in wheelchair do exercises with dumbbells at health center stock photo

What Does Medicare Cover for Stroke Patients?

2023-01-20

Doctor demonstrating upper cervical spine anatomy stock photo

Does Medicare Cover Cervical Disc Replacement?

2023-01-20

Medicare Set Aside funds stock image

What Happens to Unused Medicare Set-Aside Funds?

2023-01-20

older man suffering from stomach pain due to IBS stock photo

Does Medicare Cover Xiafaxan?

2023-01-19

senior woman doing botox stock photo

Is Botox Covered by Medicare?

2023-01-19

Health insurance form on a table with pen, calculator and glasses stock image

What You Need to Know About Creditable Coverage

2023-01-18

Acute psoriasis on elbows is an autoimmune incurable dermatological skin disease stock photo

Does Medicare Cover Light Therapy for Psoriasis?

2023-01-17

wart on the sole of a white man's foot stock photo

Does Medicare Cover Wart Removal?

2023-01-17

woman sitting on sofa feeling pain in her foot at home stock photo

Does Medicare Cover Qutenza?

2023-01-13

Nasal spray stock image

Can Medicare Help with the Cost of Tyrvaya?

2023-01-12

Gloved hands with a scalpel begin a knee replacement surgery

Does Medicare Cover Iovera Treatment?

2023-01-11

A doctor with a clipboard consults a female patient with cancer

Does Medicare Cover Inqovi?

2023-01-11

Physiotherapist showing workout record on exercise bike

Does Medicare Cover Exercise Physiology?

2023-01-11

A women's restroom sign that has been modified to show the stick figure woman needing to use the toilet

Does Medicare Cover Bladder Sling Surgery?

2023-01-11

Your Medicare One-Stop-Shop

Your guide to Medicare Parts A & B, Medicare Advantage, and Medigap.

100% free.

Fair Square Medicare

LEGAL

Privacy Policy

CONTACT

1-888-454-2383

MORE


Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2022 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M