The most significant benefit of a Medicare Advantage PPO plan is the small copays assigned to most services. Another factor in selecting an Advantage plan that uses a PPO network is the larger group of providers.PPO plans don’t require referrals. When you need to see a specialist, you can contact one from your network without a trip to your primary doctor.Further, a Medicare PPO plan pays reduced benefits if you decide to see a provider out of network.
Low monthly premiums – PPO plans typically have premiums lower than Medigap policies.
In-network benefits – PPO plans will pay a higher benefit inside the plan network and a lower benefit
percentage out of the network, except in an emergency.
No health questions – To enroll in a Medicare PPO plan.
No Referral required – No referrals needed.
Part D drug coverage – Usually included in Medicare PPO plans.
Copays and coinsurance – Usually, insured persons pay a small copay for covered services in place of the 20% typically assigned by Original Medicare.
Annual plan changes – Most benefit changes are made and released by the insurance company before the annual enrollment period.
To say the world of Medicare Advantage is complicated is an understatement. Since every plan varies from carrier to carrier, it can be difficult to separate what’s important vs. what’s extra fluff. That’s where we step in.Our licensed agents know the ins and outs and stay up to speed with industry changes to keep you, the beneficiary, informed. Give us a call, or complete our online quote form now.