Medicare Advantage Plans

Medicare Advantage (MA) Plans are sold by private insurers approved by Medicare, and provide your Part A and B coverage, cover "medically necessary" benefits, and sometimes include Part D drug coverage.

The most common MA Plan types are:

• Health Maintenance Organization (HMO). HMOs require you to see doctors on their approved list, but also tend to offer greater benefits and lower costs.
• Preferred Provider Organization (PPO). PPOs let you see any doctor, but you pay less if you see plan-approved doctors.
• Private Fee For Service (PFFS). PFFS Plans let you see any doctor who accepts the plan’s payment. BE CAREFUL: Not all doctors accept all PFFS Plans.