These are your Medical Advantage Plan Choices

QUESTION
Are prescription drugs covered ?
Do I need to choose a primary care doctor ?
Can I choose any doctor or hospital ?
Can I choose to go to a specialist ?
Other useful information aout the plan ?

HMO
(Health Maintenance Organization)
Yes
Yes, Must be in the plan.
No, Must be in the plan.
NO, you must get a referral.
Know and follow the rules carefully.

PPO
(Preferred Provider Organization)
Yes, but check to be sure.
No, in or out of network.
Yes, in or out of network.
Yes, in or out of network.
Some plans offer additional premium.

PFFS
(Private Fee for Service)
Sometimes
No
Yes
Yes
This is not the same as original Medicare. These are private insurance companies. Before you join make sure your Doctor, Hospital are willing to accept the plan's payment terms.

MSA
(Medical Saving Account)
No
No
Yes
Yes
These are 2 part plans: a high deductible health plan and a bank account. *You can use the money in your bank account to pay for your health care.

SNP
(Special Needs Plan)
Yes
Depends on the plan.
Must be in the plan.
Must be in the plan.
These are for people with chronic disabling conditions, living in a nursing home require nursing care at home or eligible for Medicare and Medicaid. *The plan manages your health care needs.