Provisions and rules are subject to change. PPO s contract with an insurance company to provide medical services at discounted fees. PPO members can use outside providers for an additional fee. PPO s don t usually offer as wide a spectrum of health care services as HMO s. PSO s are operated by a group of medical providers rather than an insurance company.
Medical care is provided at a fixed amount.
Private plans offer the same coverage as Part A and Part B under traditional Medicare. Plans may also offer supplemental benefits. Beneficiary would purchase this private indemnity insurance policy. Participants can select a high deductible insurance policy in combination with a medical savings account. Funds are used to pay for the cost of medical services up to the plan s deductible.