When you're shopping for Medicare Advantage plans, it's important to find a plan type that meets your needs. Do you need personal care? Are your doctors covered in this plan's network? Knowing what comes with each type of Medicare Advantage plan is the first step in choosing the plan that's right for you.

What is an HMO?

An HMO (Health Maintenance Organization) plan gives you personal care from a set network of doctors and hospitals. You'll get peace of mind with:

• The comfort of having an in-network primary care provider (PCP) to oversee all your care and refer you to see specialists.
• Doctors in our large provider network that you must see for care.
• The freedom to go out of network for emergency and urgent care.
• Focus on strong doctor-patient relationships and getting to know your provider network.

We recommend choosing a primary care provider to support your health and make sure you get the care you need, we don’t require a referral to see in-network specialists, but the specialist may require a referral.

What is a POS?

A POS (Point of Service) plan gives you personal care and the freedom to go in and out of network. You'll get:

• The comfort of having an in-network PCP to oversee all your care.
• Flexibility to see out-of-network providers.
• Savings by seeing doctors in our large provider network rather than going out of network.
• A balance between security and freedom.

We recommend choosing a primary care provider to support your health and make sure you get the care you need, we don’t require a referral to see in-network specialists, but the specialist may require a referral.

What is a PPO?

A PPO (Preferred Provider Organization) plan contracts with medical providers, such doctors, clinics and hospitals, to create a network or participating providers. You pay less if you use providers that belong to the plan's network.

You won't have to pick a PCP or get referrals to see specialists.