Medicare Advantage at a Glance (HMO & PPO)
MedicareAdvantage at a Glance (HMO & PPO)
Why People Choose It
- Low—or even $0—monthly premiums
- Most plans bundle in Part D drug coverage and offer extras like dental, vision, hearing, and gym perks.
HMO Plans
- Must use in-network doctors & hospitals
- Referrals + pre-authorizations often required
*can delay care - Out-of-network care generally not covered
PPO Plans
- See any doctor—in-network (lower cost) or out-of-network (higher cost)
- No referrals needed
- Higher flexibility, but maximum out-of-pocket is bigger if you go outside the network
Cost Basics
- Usually no medical deductible
- You pay copays only when you get services
- Annual out-of-pocket cap protects you from runaway bills
What to Watch
- Confirm your doctors and hospitals still accept the plan (networks change)
- Check whether your prescriptions are on the plan’s formulary
- Understand how copays add up if you need frequent care
📞 Want help comparing plans? Text or call 720-722-0589 — no pressure, just clear answers.
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