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Your Medicare Advantage Coverage Options

What's the difference between HMO and PPO plans?

HMO (Health Maintenance Organization)

I'm looking for coordinated care and cost savings:

  • Care coordinated through your primary doctor
  • Typically lower premiums
  • Affordable copays for doctor visits

An HMO is a type of Medicare Advantage (Part C) plan that combines Original Medicare (Part A and Part B) into one convenient plan. With an HMO plan, you must receive care from doctors and hospitals within the plan's network, except for emergency or urgent care. Prescription drug coverage is included with most of these plans.

PPO (Preferred Provider Organization)

I'm looking for flexibility and freedom of choice:

  • Access to in-network and out-of-network doctors
  • Coverage when you travel

A PPO is a type of Medicare Advantage (Part C) plan that combines Original Medicare (Part A and Part B) into one convenient plan. With a PPO plan, you can receive care within a network of doctors and hospitals or use out-of-network doctors and hospitals for covered services, usually for a higher cost. Prescription drug coverage is included with most plans.

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Content last updated October 1, 2019.