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Medicare Advantage Preferred Provider Organization (PPO) Plans offer coordinated care from a network of chosen providers. It is a great option for those seeking consistent coverage at a reasonable price.
How Do Medicare PPO Plans Work?
Medicare PPO plans offer a fuller-coverage alternative to Original Medicare. By curating a network of healthcare providers, PPO plans coordinate coverage and reduce your overall costs. Within this network, you will be faced with less out-of-pocket costs.
If you do seek out-of-network care, there is a cap on your expenses. You will, then, be safe in case of expensive emergency outpatient care. This plan, then, offers more flexibility than other Medicare Advantage plans.
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Costs of Medicare PPO Plans
As with all Medicare Advantage plans, you will still have to pay your Medicare Part B premium. Your Medicare Part B premium is required no matter the Advantage plan you choose. The standard part B premium for 2020 is $144.60 (this is subject to change).
PPO-specific charges include monthly premiums, a yearly deductible, and certain copayments depending on the status of the healthcare provider. For instance, in-network doctors will cost less than those out-of-network.
Compared to other Medicare Advantage plans, PPO plans offer more flexible coverage. PPO plans:
- Allow for doctors in more cities and states than other Medicare plans
- Do not referrals needed for specialist care
- Do not require primary care doctors
- Cover prescription drugs (in most cases)
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With so many choices to account for, deciding on your best plan can seem impossible. We are happy to talk through all of your Medicare troubles with you.
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