Senior Living Guide5/9

HMO, PPO, and other plan types

Most Medicare Advantage plans come as an HMO (tighter network, usually a required primary care doctor and referrals) or a PPO (more flexibility to see out-of-network providers, usually at a higher cost). There are other, less common types too, like PFFS and SNPs for people with specific chronic conditions.

The plan type shapes your day-to-day experience more than the premium does. If flexibility to see any specialist without a referral matters to you, that alone can rule out HMO plans in your area regardless of price.

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