Medicare Advantage Plans come in several primary types, each with its own features and network structures. Most of these plans may also offer prescription drug coverage:

• Health Maintenance Organization (HMO): This type of plan provides access to a network of doctors and hospitals that coordinate your care, with a focus on preventive services. You generally need to use the network for most care and obtain a referral from your primary care doctor to see specialists.

• Health Maintenance Organization with a Point of Service Option (HMO POS): Similar to the HMO, but with added flexibility. You can seek care outside of the HMO network in certain situations or for specific treatments, though it may cost more.

• Preferred Provider Organization (PPO): Offers access to a network of doctors and hospitals. You have the option to receive care from providers outside the network, although it typically involves higher out-of-pocket costs compared to using in-network providers.

• Private Fee-For-Service (PFFS): This plan allows you to visit any Medicare-approved doctor or hospital that agrees to the plan’s payment terms. You are not required to use a specific network of providers.

• Medicare Special Needs Plans (SNPs): Designed for beneficiaries with specific health conditions or needs, such as chronic diseases like diabetes. These plans offer specialized coverage tailored to the particular needs of the enrollees.

• Medicare Medical Savings Account (MSA): Combines a high-deductible health plan with a bank account. The plan deposits a set amount into your account each year to help cover medical expenses, with the deductible typically being higher than other types of plans.

Each plan type offers different benefits and flexibility, so it’s important to review your options and select the one that best meets your health care needs and preferences.