Association of Raytheon Retirees, Inc.
Page 20
The most common types of Medicare Advantage Plans are shown below in Table 4—Medicare Advantage Plans.
Health Maintenance Organization (HMO)
HMOs provide a network of doctors, hospitals, and other providers. Members must use doctors and services that are part of the contracted network of the HMO.
Preferred Provider Organization (PPO)
A PPO plan also includes a network of doctors and hospitals. Members are not required to see doctors only within their provider's network. Seeing doctors within the network, however, will generally cost less than seeing doctors outside of the network. In a PPO, members don't need to get a referral to see a specialist.
Private Fee-For-Service (PFFS)
A Private Fee-For-Service plan, allows members to visit any Medicare-approved provider who agrees to accept the plan's terms and conditions of payment. Your preferred doctor or hospital is not required to agree to accept the plan's terms and conditions, and thus may choose not to treat you, with the exception of emergencies.
Enrollment periods are shown on page 21 in Table 5— Enrollment Periods.