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Different Types of Medicare Advantage Plans

Understanding Medicare Advantage Plans

Medicare Advantage (Part C) is a health plan offered by private insurance companies that contract with Medicare to provide your Part A (hospital insurance) and Part B (medical insurance) benefits.

Types of Medicare Advantage Plans

1. Health Maintenance Organization (HMO) Plans

  • Requires you to use doctors, hospitals, and providers within the plan’s network (except in emergencies).

  • Often requires a referral from your primary care doctor to see specialists.

2. Preferred Provider Organization (PPO) Plans

  • Offers more flexibility in choosing doctors and hospitals.

  • Lower costs for in-network providers and higher costs for out-of-network services.

3. Private Fee-for-Service (PFFS) Plans

  • Determines payment rates for doctors, hospitals, and other providers.

  • Not the same as Original Medicare or Medigap plans.

4. Medicare Special Needs Plans (SNPs)

  • Designed for individuals with specific diseases or healthcare needs.

  • Offers tailored benefits, provider choices, and drug coverage based on the member’s medical condition.

Need Assistance?

If you’re considering a Medicare Advantage Plan, we can help you explore your options.

By contacting the phone number on this website, you will be directed to a licensed agent.

This Medicare information section is here to educate you about your insurance options and provide you with the resources you need to help you select the right plan for your unique needs.

If there’s anything you need or if you have any questions, please feel free to contact us. We are here to help.