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Medicare Advantage Plans
Private Fee-For-Serivce (PFFS) Plan
A PFFS plan is a type of Medicare Advantage Plan in which you may go to any Medicare-approved doctor, hospital and provider that accepts the plan’s payment, terms and conditions and agrees to treat you — not all providers will. If you join a PFFS Plan that has a network, you can see any of the network providers who have agreed to always treat plan members. You will usually pay more to see out-of-network providers.
Health Maintenance Organization (HMO) Plan
A Medicare Advantage Plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. In most HMOs, you can only get your care from doctors or hospitals in the plan’s network (except in emergencies). Find and compare HMO plans in your area.
Preferred Provider Organization (PPO) Plan
A Medicare Advantage Plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription
drug coverage. PPOs have network doctors, providers and hospitals but you can also use out-of-network providers, usually at a higher cost.
Medicare Special Needs Plan (SNP)
A Medicare Advantage Plan that has a benefit package
designed for people with special health care needs. Examples of the specific groups served include people who have both Medicare and Medicaid, people who reside in nursing homes, and people who have certain chronic medical conditions.
What About Vision, Dental, Hearing and Long Term Care?
Vision, Dental, & Hearing
Separate Dental, Vision, and Hearing Plans are available and offer additional benefits for consumers who are looking to cover needs for dental, vision, or hearing. These plans are not affiliated or connected to Medicare.
Long Term Care
Medicare generally doesn't cover long-term care stays in a nursing home. Most health care costs are covered if you qualify for both Medicare and Medicaid, however, not all nursing homes accept Medicaid. You may have to spend down your assets in order to qualify. We can assist you in navigating the process of using your existing accounts to purchase nursing home benefits.
