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Which Plans Can I Choose From?
Health Maintenance Organizations (HMO)HMOs generally require you to use doctors, hospitals and other health care providers within their network with few exceptions. You usually need a referral to see a specialist. Almost all HMOs include prescription drug coverage.
Preferred Provider Organizations (PPO)PPOs generally allow you to use any doctor or other provider that you want, but you may have to pay more if you go to one that’s not in your PPO network. You do not need a referral to see a specialist. Drug coverage is usually included.
Point-of-ServiceSometimes called HMOPOS plans, these are HMO plans that may allow you to receive services from out-of-network doctors, hospitals or other health care providers at a higher cost to you.
Private Fee-for-ServicePFFS plans generally allow you to use any doctor, hospital or other provider as long as the provider accepts the plan’s terms. If your PFFS plan does not cover drugs, you can purchase a Medicare Part D drug plan.
Frequently Asked Questions
- Your name
- Your date of birth
- Your Social Security number
- Your original birth certificate
- Your driver's license number, passport or other proof of U.S. citizenship or legal residency
- Any current health insurance you have, including Medicaid
- Current employer information if you are still working