Comparing Medicare Advantage Plans: HMO vs. PPO vs. SNP
Once you have chosen the Advantage path, the plan types differ in freedom, cost and who they are built for.
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HMO
PPO
Doctors you can see
The plan’s network; referrals usually needed for specialists.
Any doctor, but network doctors cost less; usually no referrals.
Typical premium
Often $0, and typically lower than a PPO.
Somewhat higher for the extra freedom.
Best suited to
People whose doctors are in network and who want to keep costs down.
People who want flexibility or see doctors in more than one place.
There is a third type: Special Needs Plans (SNPs) serve people with certain chronic conditions or who qualify for both Medicare and Medicaid, and often include substantial extra help. Ask us whether you qualify.
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