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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.
If you would like a free consultation and insurance quote, give us a call at (423) 240-0794.