One of the most popular Medicare Advantage plans is the Preferred Provider Organization (PPO) plan. This plan, like all other Medicare Advantage plans, will provide you with the same coverage as Original Medicare. It can also provide you with additional benefits, such as prescription drug coverage.
Keep in mind, though, that even though most PPO plans provide prescription drug coverage, not all of them will. However, our specialized Medicare agents can help you compare the PPO plans available to you to determine which plan provides the coverage you need!
How Do PPO Plans Work?
PPO plans do not require their members to use their in-network providers. However, you will pay more if you go out of network, but you will have the flexibility to choose who you want to receive your care from. You are also not required to choose a primary care doctor or get referrals to see a specialist.
As already mentioned, PPO plans can also provide additional coverage that you would not receive with just Original Medicare. Besides prescription drug coverage, these additional benefits can include:
- Dental coverage
- Vision coverage
- Hearing coverage
- Over-the-Counter Items
- Gym memberships
- Nutrition and wellness programs
- Transportation to doctor’s offices
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Enrolling in PPO Plans
There are certain times when you can join a Medicare Advantage PPO plan:
Initial Enrollment Period (IEP)
This period starts three months before you turn 65 and then ends three months after you turn 65. You can enroll in Original Medicare, a Medicare Advantage, or Part D plan during this period. Keep in mind you must first be enrolled in Original Medicare before you can join a Medicare Advantage plan.
Annual Enrollment Period (AEP)
If you’re already enrolled in Medicare, this period gives you the opportunity to review your Medicare coverage each year and make changes if necessary. You can switch, drop, or enroll in new plans.
Medicare Advantage Open Enrollment Period
You can switch from one Medicare Advantage plan to another during this period. Or, you can end it to return to Original Medicare.
Special Enrollment Period
You can also enroll in Medicare during the Special Enrollment Period if you missed your Initial Enrollment Period because of a special circumstance. If you enroll during this period, you won’t have to pay late enrollment penalties. Special circumstances include already having creditable health coverage during the time you first became eligible for Medicare.
Need a PPO Plan? Give Us a Call
If you’re ready to go over your PPO plan options and find one that meets your coverage needs, give the Medicare Specialists a call today.