Health Maintenance Organization (HMO) Plans
Most HMO plans require you to use in-network doctors, hospitals, and healthcare providers, except in emergencies, out-of-area urgent care, or temporary dialysis. Referrals from your primary doctor may be needed for specialists. Find and compare HMO plans in your area.

Preferred Provider Organization (PPO) Plans
PPO plans allow you to pay less when using in-network doctors, hospitals, and providers. You can use out-of-network providers at a higher cost. These plans are offered by private insurance companies under Medicare Advantage (Part C).

Private Fee-for-Service (PFFS) Plans
PFFS plans, also part of Medicare Advantage (Part C), set their own payment rates for doctors, hospitals, and healthcare providers. Costs vary based on plan terms, and coverage differs from Original Medicare or Medicare Supplement plans.

Medicare Special Needs (SNP) Plans
SNPs cater to individuals with specific conditions or characteristics, offering tailored benefits, provider networks, and drug coverage to meet their healthcare needs.

Find out who can join a Medicare SNP

These definitions are directly from www.medicare.gov

By calling the number on this website, you will be connected with a licensed insurance agent.