PPO
A Preferred Provider Organization (PPO) plan is one of the more common types of Medicare Advantage plans. These plans are offered by private insurance companies and will provide you with the same coverage as provided by Original Medicare. Before you are able to join a PPO plan, you have to be enrolled in Original Medicare first.
Like other Medicare Advantage plans, PPOs may also offer extra benefits, such as hearing, vision, or dental coverage. Most of the time, PPO plans will also include prescription drug coverage. However, if you join one of these plans that doesn’t include prescription drug coverage, you will not be able to join a Part D prescription drug plan.
For the most part, PPO plans do not require you to use their preferred providers when receiving your care, but it will cost you less if you do so. PPO plans will generally give you the flexibility to go to hospitals, specialists, or doctors of your choice.
You also won’t be required to choose a primary care doctor, and in most cases, you won’t need a referral to see a specialist. Do keep in mind, though, that you will pay less by seeing a specialist within your plan’s preferred network rather than seeing a specialist that’s outside of the network.
When compared to Health Maintenance Organization (HMO) plans, PPO plans will provide you with more flexibility, but they will cost more. To ensure you are choosing the right Medicare Advantage plan for your needs, we will help you compare these options!
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