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Types of Medicare Advantage Plans

There are several types of Medicare Advantage plans, each designed to meet different healthcare needs:

• Health Maintenance Organization (HMO) Plans: These plans require you to use a network of doctors and hospitals, except in emergencies. They often include prescription drug coverage.
• Preferred Provider Organization (PPO) Plans: PPO plans offer more flexibility in choosing healthcare providers and do not require referrals for specialists. They also typically include prescription drug coverage.
• Private Fee-for-Service (PFFS) Plans: These plans allow you to see any Medicare-approved doctor or hospital that accepts the plan's payment terms.
• Special Needs Plans (SNPs): SNPs are tailored for individuals with specific diseases or characteristics and provide specialized care.