PPO Plans
Medicare Advantage is a popular Medicare option. Also known as Part C, Medicare Advantage is an option that allows individuals to select the areas of coverage they’d like to enroll in. Everyone enrolled in Part C will have Original Medicare coverage as a baseline. The difference between Original Medicare and Medicare Advantage is that individuals who are enrolled in Medicare Advantage can select additional areas of coverage.
PPO Plans
Did you know that there are different types of policies within Medicare Advantage? Understanding these policy types is important, so let’s go over one of the most popular types of policies.
Preferred provider organization (PPO) plans are a great option if you want flexibility in the providers that you see. When you enroll in a PPO plan, there will be a list of providers that are within your network. It’s generally recommended that you go to see those providers, as they’ll be the ones that are guaranteed to be covered.
While it’s recommended that you go within your network to receive care, you can still get coverage if you’re outside of your network. If you choose to go outside of your network for care, then you’ll most likely end up paying more and there’s no guarantee that the provider you see will be covered by your plan.
Referrals
When you choose a PPO plan, you won’t have to choose a primary care doctor. One of the reasons for this is because you don’t have to have a referral to see a specialist when you’re enrolled in a PPO.
Not needing to get a referral can be a great way to save both time and money, so this is a health plan option that many should consider.
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Prescription Drugs
Are you looking for prescription drug coverage? The good news is that the majority of PPO plans will include prescription drug coverage. However, it’s important to keep in mind that you won’t be able to enroll in a separate Medicare drug plan if you choose a PPO.
HMOs
If you’re familiar with your Medicare insurance options, you may be wondering what the differences are between a PPO and a health maintenance organization (HMO) plan. The main difference between them is the HMOs are typically much more strict about the providers individuals see. HMOs also require individuals to select a primary care doctor who can provide them with referrals.
Ready to Enroll?
Are you interested in a PPO and want to learn more? We’d love to provide you with some more information about our policies and if they could be the right fit for you!
The best way to schedule a time to speak with a member of our staff is by giving us a call or sending us a message through our website. We’ll get back to you as soon as possible and find a time when you can have a conversation with a dedicated member of our team. We hope to hear from you soon so we can provide you with more information about your Medicare policy options!