Understanding the Different Types of Medicare Advantage Plans

Medicare Advantage plans are a great way to expand your Medicare coverage and get the most out of your healthcare. There are several types of Medicare Advantage plans, including Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Private Pay-Per-Service (PFFS) plans, and Special Needs Plans (SNP). Each plan has its own unique features and benefits, so it's important to understand the differences between them. HMO plans are the most common type of Medicare Advantage plan.

With an HMO plan, you'll have a primary care doctor who will coordinate your care and refer you to specialists when needed. You'll also have access to a network of providers who accept the plan's coverage. Some HMO plans also offer a point of service (POS) option, which allows you to use out-of-network providers for some health services. PPO plans are similar to HMO plans in that they also have a network of providers who accept the plan's coverage.

However, with a PPO plan, you don't need a referral from your primary care doctor to see a specialist. You also have more flexibility when it comes to using out-of-network providers. PFFS plans are private pay-per-service plans that allow you to see any provider who accepts the plan's payment terms. These plans don't have networks, so you can see any provider who is willing to accept the plan's payment terms.

SNP plans are designed for people with specific chronic health conditions or disabilities. These plans provide extra benefits and services that are tailored to meet the needs of people with these conditions or disabilities. If you're considering enrolling in a Medicare Advantage plan, it's important to understand the different types of plans available and how they work. An eHealth licensed insurance agent can help you find the right plan for your needs; simply call the number on this page to get started.

Or, if you prefer to search for plans now, enter your zip code in the plan search tool on this page to see plan options in your location.

Elise Woehl
Elise Woehl

Subtly charming student. Award-winning twitter practitioner. Incurable coffee scholar. Friendly thinker.