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PPO Plans
While there are various Medicare Advantage plans available, one of the more common types of Medicare Advantage plans are Preferred Provider Organization (PPO) plans. These plans will have a preferred network of hospitals, doctors, and other providers that will allow you to save on your medical out-of-pocket costs.
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Benefits Of PPO Plans
Not only will PPO plans provide you with the same coverage as what you would receive from Original Medicare (Parts A and B), which includes inpatient and outpatient coverage, they may also provide you with additional benefits:
- Dental, vision, or hearing coverage
- Memberships to a gym
- Nutrition and wellness programs
- Prescription drug coverage
- Transportation to doctor appointments
- Adult daycare services
The area you live in and the plan providers available will determine which of these benefits you will be eligible for.
While these plans also have preferred plan networks you can use to receive your care and keep your out-of-pocket costs lowered, they also grant you the ability to go outside of these networks to receive your care. However, it will be at a higher cost to do so.
With PPOs, you also are not required to choose a primary care provider or get referrals to see specialists.
When Can I Enroll In PPO?
There are certain enrollment periods as to when you will be able to enroll, which include:
- Initial Enrollment Period – This period starts three months before the month of your 65th birthday and will end three months after your 65th birthday.
- Annual Enrollment Period – From October 15 to December 7 of each year spans the Annual Enrollment Period. During this time, people who are enrolled in Medicare Advantage or a Medicare Part D plan can drop their plans and return to Original Medicare, renew their plan contracts, or switch to a different plan.
- Special Enrollment Period – Special Enrollment Periods don’t have a specific time of year of when they occur as they are only available for people who meet certain conditions, such as losing their current coverage and needing new coverage.
- Medicare Advantage Open Enrollment Period – If you’re already enrolled in Medicare Advantage, you can use this period to switch to another Medicare Advantage plan.
Want To Learn More? Give Us A Call
We understand how important it is for you to find the Medicare coverage you need. That’s why we’re here to help. Give us a call today and we can set up a time that works for you to go over your plan options!
