Frequently asked questions
FAQ
What is the difference between an HMO and PPO Medicare Advantage plan?
Network Restrictions: HMO plans require you to use a network of providers for all non-emergency services, while PPO plans allow you to see out-of-network providers at a higher cost. Referrals: HMO plans typically require referrals from your primary care doctor to see specialists, whereas PPO plans do not. Costs: HMO plans often have lower premiums and out-of-pocket costs compared to PPO plans. Flexibility: PPO plans offer more flexibility in choosing healthcare providers and do not require you to stay within a network for all services.