Medicare Preferred Provider Organization (PPO)
Medicare Health Maintenance Organization (HMO)
A Medicare Preferred Provider Organization (PPO) is a type of Medicare Advantage Plan that offers flexibility in choosing healthcare providers. With a PPO, you have the option to see both in-network and out-of-network providers. Key features include:
- In-Network Providers: Using in-network providers will typically cost less, helping you save on healthcare expenses.
- Out-of-Network Flexibility: You have the freedom to seek care from out-of-network providers, although at a higher cost, and no referrals are required to see specialists.
Medicare Part C Coverage
Medicare PPOs are a part of Medicare Part C and are offered by private companies. These plans manage your Medicare benefits and provide the same essential coverage as Original Medicare, while offering flexibility with providers. PPO plans combine:
- Medicare Part A (Hospital Coverage)
- Medicare Part B (Medical Coverage)
- Optional Medicare Part D (Prescription Drug Coverage)
By including these options, PPO plans give you comprehensive coverage with more provider choices, while maintaining the benefits of Original Medicare with distinct rules, restrictions, and costs.