In some Medicare Advantage plans, you can only see doctors from within the plan’s network. Others allow you to choose from both in- and out-of-network providers.
Overall, however, out-of-network services cost more.
Keep in mind though that each of these plans has its own advantages and limitations, and no option will be right for everyone.
You do not have to change if you are happy with how you currently receive Medicare benefits.
You should not change to a new program until you have thoroughly analyzed it and determined how you would benefit from it.