HMO Plans

**Health Maintenance Organizations** use a network. You typically need a Primary Care Physician (PCP) who coordinates care and gives **referrals** for specialists. Coverage is usually limited to the network.

PPO Plans

**Preferred Provider Organizations** also have a network but offer more flexibility. You can go **outside the network** for covered services, but you will pay higher costs. No PCP or referrals are typically required.

Special Needs Plans (SNPs)

Designed for individuals with **specific health conditions**, those who are dual-eligible for Medicare/Medicaid, or those residing in an institution. These plans provide specialized care management.

PFFS Plans

**Private Fee-for-Service** plans may not have a network. You can see any provider who accepts Medicare and agrees to the **plan's terms and conditions** for payment.

Do I Need Part C?

Part C is an option if you want **prescription drug coverage**, **extra benefits**, and an **annual out-of-pocket spending limit** that Original Medicare (Parts A & B) does not offer.

Compare All Plans

A licensed agent can help you compare plans based on **Type**, **Benefits**, **Star Rating**, and **Costs** to find the ideal Medicare Advantage plan for your health and budget needs.