Look Beyond Premiums to Protect Access
JACKSBORO, Texas (October 14, 2026) —A familiar medical provider, a nearby hospital and dependable follow-up care can make a meaningful difference as people age. Faith Community Health System encourages residents to put those priorities first when comparing Original Medicare and Medicare Advantage coverage for 2027.
“Start with the care you need and the people you trust to provide it,” said Frank L. Beaman, CEO. “Your coverage should support those relationships. Before making a change, find out what it would mean for your next clinic visit, a specialist appointment or an unexpected hospital stay.”
Medicare’s annual open enrollment period runs Oct. 15 through Dec. 7. People with Medicare can switch between Original Medicare and Medicare Advantage or change prescription drug plans, with changes generally effective Jan. 1.
Original Medicare is the federal program that includes Part A hospital insurance and Part B medical insurance. Patients can receive covered services from any hospital or medical provider nationwide that accepts Medicare. Separate Part D prescription coverage and supplemental insurance may be added.
Medicare Advantage is offered by private insurance companies approved by Medicare. These plans must cover medically necessary services covered by Original Medicare, and most include prescription coverage. Some offer additional benefits, such as dental or vision care. However, plans may use provider networks and require specialist referrals or prior authorization for certain services. Original Medicare generally does not require referrals and, in most cases, does not require prior authorization.
“In a rural community, a coverage decision can also become a transportation decision or a scheduling challenge,” Beaman said. “Original Medicare’s flexibility deserves careful consideration, especially for people who want access to a broad choice of providers.”
Before joining a Medicare Advantage plan, residents should confirm participation with both the insurer and the hospitals, clinics and specialists they expect to use. Ask about the exact plan being considered and its coverage for nonemergency care outside the network.
Costs deserve equal attention. A $0 plan premium does not mean free healthcare. Medicare Advantage members generally continue paying their Part B premium and may owe deductibles and copayments. These plans have annual out-of-pocket limits for covered Medicare services. Original Medicare has no annual out-of-pocket cap without supplemental coverage.
Residents considering a return to Original Medicare should also investigate Medigap eligibility before changing coverage. Annual Medicare open enrollment does not guarantee acceptance into a Medigap policy; outside protected enrollment situations, insurers may charge more or deny an application.
“Think about what your healthcare coverage would mean during a difficult year, when you might need more appointments, testing or rehabilitation,” Beaman said. “A few questions now can help you make a choice that fits both your healthcare needs and your budget.”
Explore your options at Medicare.gov or call Trina Johnson 940-567-6633, ext. 122