HealthPlus MedicarePlus Advantage Plans:
With an HMO, premiums are generally lower. Care is coordinated through your primary care physician, and referrals are required for many types of care. Out-of-network coverage is generally limited to urgent and/or emergency care.
With a PPO, you have the freedom to seek care both in- and out-of-network, and referrals are not required. You generally pay less when you see in-network providers, but you still have out-of-pocket maximum protection both in- and out-of-network.
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