When choosing a Medicare plan, we compare options and costs to find the company and plan best fit for you.
Health maintenance organization (HMO)
- You choose an in-network primary care provider (PCP) to coordinate your care.
- Specialist referrals are required.
- Except in true emergencies, out-of-network care is not covered.
Preferred provider organization (PPO)
- You can see any doctor or use any hospital that accepts Medicare and the plan terms.
- Generally, you are not required to choose a PCP and don’t need a referral to see a specialist.
- You may be able to reduce your costs by seeing in-network doctors.
- Many plans provide emergency care coverage while you are traveling worldwide.
- The PPO national network gives you in-network coverage across the country, so you’ll be able to travel with ease or split your time between locations.
Medicare: What you need to know
Original Medicare (Parts A and B) is provided by the federal government and helps cover hospital and doctor costs. Medicare Advantage (Part C) works in place of Original Medicare and often includes additional benefits. The prescription drug plan (Part D) Medicare coverage provides coverage for prescription drugs. These are some of the different options available to you.
Original Medicare; Part A and Part B
- Part A: hospital and inpatient costs
- Part B: doctor and outpatient costs
Medicare Advantage; Part C and Part D
- Original Medicare (must continue to pay Part B premium)
- Part C: Usually includes extra benefits
- Part D: Includes prescription drug coverage