Types of Medicare Advantage plans
HMOs may offer lower premiums than other plans. You must usually stay within your plan’s network for care and services.
PPOs may allow you to go out-of-network for care. You will usually pay less if you stay within the plan’s network.
A PFFS plan may or not be network-based and requires non-network providers to accept Medicare reimbursement and the plan’s terms.
SNPs are designed for people with chronic conditions such as diabetes, and individuals who qualify for both Medicare and Medicaid.
MSAs combines a high-deductible plan with a designated savings account. These plans do not include prescription drug coverage.
These hybrid HMOs let you go outside the network for treatment but may have a higher cost. There can be separate deductibles for in-network and out-of-network costs.