Medicare Advantage PPO (Preferred Provider Organization) plans are a type of health insurance option offered by private insurance companies approved by Medicare. These plans combine the coverage of Original Medicare with additional coverage and flexibility.
Here are some key features of Medicare Advantage PPO plans:
PPO plans provide a network of healthcare providers, including doctors, hospitals, and specialists, with whom they have negotiated discounted rates. However, you have the flexibility to receive care from out-of-network providers, although it may cost you more.
Unlike some other Medicare Advantage plans, PPO plans generally do not require you to obtain referrals from a primary care physician (PCP) to see specialists. You can visit specialists directly without seeking permission in advance. You also are not required to choose a PCP.
PPO plans often offer extra benefits such as prescription drug coverage, vision care, dental care, hearing care, fitness programs, and other wellness services.
PPO plans may have a monthly premium in addition to the Medicare Part B premium. The premium amount can vary depending on the plan and the insurance company.
Before enrolling in a plan, we suggest carefully reviewing its benefits, network of providers and costs to ensure it meets your healthcare needs. Fortunately, our experts can do all the hard work for you! Book an appointment with us today to get started.