Medicare Advantage health plans offer all the benefits covered under Original Medicare and more.
To enroll in a plan, you must be eligible for Medicare Part A and continue to pay your Medicare Part B premium – unless your Part B premium is paid for by Medicaid or another third party.
(HEALTH MAINTENANCE ORGANIZATION)
If you select an HMO plan, you must use a doctor within your network unless your plan includes a point-of-service (POS) option. In a POS option, members may go out-of-network to receive certain health care services. However, copayments and coinsurance will be higher for care received outside the plan’s network.
(PREFERRED PROVIDER ORGANIZATION)
A PPO usually has a higher monthly premium than an HMO, but you have greater flexibility when selecting a doctor. However, if you choose to use an out-of-network doctor you will have a higher out-of-pocket expense.
(PRIVATE FEE FOR SERVICE)
PFFS plans give you the freedom to receive care from any Medicare-approved provider that agrees to accept the plan’s terms and conditions. Under a PFFS, you do not need a referral to see a specialist. A PFFS means you usually pay higher out-of-pocket costs, but you are not limited to a doctor network.
Medicare Advantage Plans can be confusing. Contact us for assistance from one of our Licensed Medicare Health Plan Brokers. We take the time to meet with you one-on-one in the privacy of your home or our office free of charge.
Compare 2020 Medicare Advantage HMO and PPO plans, Guaranteed Issue Life Insurance plans, Medicare Supplement (Medigap) plans and Medicare Prescription Drug (Part D) plan online.
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