What types of Medicare Advantage (Part C) plans are there?
Coordinated Care Plans
Most Medicare Advantage plans are coordinated care plans. Coordinated care plans have a network of providers. If you use the plan's network providers, you generally pay less out-of-pocket for care.
Health Maintenance Organization (HMO) plans
HMO plans use a network primary care provider to help coordinate care. HMO plans usually only pay for providers in the plan network.
Point of Service (POS) plans
POS plans have the benefits of an HMO, but with more flexible provider choice. Costs are generally lower for using in-network providers.
Preferred Provider Organization (PPO) plans
PPO plans cover providers both in and out of network. These plans pay a portion of the cost for using an out-of-network provider.
Special Needs Plans (SNPs)
Special Needs Plans have benefits that cover special health care or financial needs. All SNPs include prescription drug coverage.
Dual-Eligible Special Needs Plans (DSNPs) for people who have both Medicare and Medicaid (called “dual eligible”)
Chronic Special Needs Plans (CSNPs) for people living with severe or disabling chronic conditions
Institutional Special Needs Plans (ISNPs) for people who live in a skilled nursing facility
Institutional-Equivalent Special Needs Plans (IESNPs) for people who live in a contracted assisted living facility and need the same kind of care as those who live in a skilled nursing facility
Other types of Medicare Advantage (Part C) plans
If you want more freedom in health care providers or payment options, there are two other types of Medicare Advantage plans to consider.
Private Fee-For-Service (PFFS) plans
PFFS plans may or may not have a provider network, but cover any provider who accepts Medicare. If the plan doesn’t include prescription drug coverage, you can also enroll in a standalone Part D plan separately.
Medical Savings Account (MSA) plans
MSA plans combine a high-deductible health plan with a special savings account. Medicare deposits funds that are withdrawn tax free to pay for qualified health care services. You can see any provider you choose. MSA plans don’t cover prescription drugs, but you can enroll in a standalone Part D plan separately.
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AARP® Medicare Supplement Insurance Plans
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Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents). Policy form No. GRP 79171 GPS-1 (G-36000-4).
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In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
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Medicare Advantage plans and Medicare Prescription Drug plans
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan's contract renewal with Medicare. You do not need to be an AARP member to enroll in a Medicare Advantage plan or Medicare Prescription Drug plan.
This information is not a complete description of benefits. Contact the plan for more information.