Here are 6 Types of MAPD Plans:
- Health Maintenance Organization (HMO) plans: In most HMOs, you can only go to doctors in your network (except in an urgent or emergency situation).
- Preferred Provider Organization (PPO) plans: In a PPO, you pay less if you use doctors in your network. You usually pay more if you go outside of your network.
- Private Fee-for-Service (PFFS) plans: PFFS plans are similar to Original Medicare in that you can generally go to any doctor as long as they accept the plan’s payment terms. The plan determines how much it will pay and how much you must pay when you get care.
- Special Needs Plans (SNPs): SNPs provide specialized health care for specific groups of people, like those who have both Medicare and Medicaid, live in a nursing home, or have certain chronic medical conditions.
- HMO Point-of-Service (HMOPOS) plans: HMO plans may allow you to get some services out-of-network for a higher copayment or coinsurance.
- Medical Savings Account (MSA) plans: These plans combine a high-deductible health plan with a bank account. Medicare deposits money into the account (usually less than the deductible). You can use the money to pay for your health care services during the year. MSA plans don’t offer Medicare drug coverage. If you want drug coverage, you have to join a Medicare Prescription Drug Plan.
What do these plans cost?
Cost will vary along with plan type from county to county. The best thing to do is schedule a consultation with us so that we can review which plans are available in your area and determine if the plans available would offer you additional benefits such as dental, vision, and hearing benefits. You can also press the "Click to Call" button above to reach us today!
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Required CMS Disclaimer: We do not offer every plan available in your area. Currently, we represent more than 20 organizations which offer vary the number products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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Navigating Medicare can feel overwhelming — especially when you're comparing doctor networks, prescription coverage, and plan benefits. While Medicare.gov and SHIP are trusted public resources, they provide general guidance and do not offer personalized plan recommendations.
As licensed Medicare agents, we complete over 40 hours of annual training and certification to help you understand the plan options we offer. We take the time to match your needs with plans that align with your healthcare providers, medications, and budget — right here in your community.