How Do I Choose a Plan Type?
When you're shopping for Medicare plans, it's important to find a plan type that meets your needs. Do you need personal care? Are your doctors covered in this plan's network? Knowing what comes with each type of Medicare Advantage plan is the first step in choosing the plan that's right for you.
What Is an HMO?
An HMO (Health Maintenance Organization) plan gives you personal care from a set network of doctors and hospitals. You'll get peace of mind with:
- The comfort of having an in-network primary care provider (PCP) to oversee all your care and refer you to see specialists
- Doctors in our large provider network that you must see for care
- The freedom to go out-of-network for emergency and urgent care
- Focus on strong doctor-patient relationships and getting to know your provider network
What Is a POS?
A POS (Point of Service) plan gives you personal care and the freedom to go in- and out-of-network. You'll get:
- The comfort of having an in-network PCP to oversee all your care
- Flexibility to see out-of-network providers
- Savings by seeing doctors in our large provider network rather than going out-of-network
- A balance between security and freedom
What Is a PPO?
A PPO (Preferred Provider Organization) plan gives you the freedom to go out-of-network, but you will pay more than if you saw a doctor in your plan’s network.
You won't have to pick a PCP or get referrals to see specialists.
What Is a Private Fee-for-Service Plan?
A Medicare Private Fee-for-Service (PFFS) plan is a type of Medicare Advantage plan that decides how much it will pay doctors, providers, and hospitals, and how much you pay for care.
If you join a PFFS plan, you can see any of that plan's network of providers, who have agreed to always treat plan members. You can also go out-of-network, but you will pay more.
What Is a Special Needs Plan?
A Medicare Special Needs Plan (SNP) is a type of Medicare Advantage plan that limits membership to certain people, like those with a specific disease, so benefits can be specific to what that group of people needs most.
Usually, you must get care from the SNP's set network of doctors, unless it's an emergency or for urgent care, and choose a PCP to manage your care and refer you to see specialists. These networks include specialists in the diseases or conditions that affect their members.
At this time, we do not offer any PPO, Medicare PFFS, or Medicare SNP plans.