What are the Different Types of Medicare Advantage Plans?

Medicare Advantage Plans are similar to Original Medicare except that your Medicare Part A and B coverage are through a private company instead of Medicare. Here are some of the options for this coverage.

Health Maintenance Organization (HMO) Plans: In most HMOs, you can only go to doctors, other health care providers, or hospitals on the plans list except in an emergency. You may also need to get a referral from your primary care doctor.

Preferred Provider Organization (PPO) Plans: In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plans network. You pay more if you use doctors, hospitals, and providers outside of the network.

Private Fee-for-Service (PFFS) Plans—PFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they agree to treat you. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.

Special Needs Plans (SNP)—SNPs provide focused and specialized health care for specific groups of people, such as those who have both Medicare and Medicaid, who live in a nursing home, or have certain chronic medical conditions.

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