Who would want a Medicare PPO Advantage Plan?
There are many reasons for a person on Medicare to have a PPO (Preferred Provider Organization) Advantage Plan. Some of the reasons are:
- Preferring the flexibility of self-referring to a specialist without having to get a referral from their PCP (Primary Care Physician.)
- Wanting to be able to go out of the present HMO network.
- People that travel and stay in different regions of the United States for some time and would like to use providers in other states.
- Patients that have providers that are not in an HMO Network in their service area.
- People that have two residences, possibly one in California and another in Arizona or Nevada.
- People that do not want to continue paying the monthly premium for a Medicare Supplement Plan and a Part D drug plan.
How can you enroll in a Medicare PPO Advantage Plan?
You must be enrolled in both Medicare Part A (Hospital) and Part B (Outpatient services). The following are the enrollment periods.
- Initial Enrollment Period (IEP) is three months before your 65th birthday month, your birthday month, and three months after your birthday month.
- Initial Coverage Enrollment Period (ICEP) three months before, the month of, and three months after the month of your enrollment in Medicare Parts A, B, and D.
- The Annual Enrollment Period (AEP), also known as, the Open Enrollment Period from October 15th to December 7th each year.\
- Medicare Advantage Open Enrollment Period (MA-OEP) from January 1 to March 31 each year. You must presently have a Medicare Advantage Plan to use this enrollment period.
Conclusion:
Medicare PPO Advantage Plans are not for everyone. However, they could be a good choice for many people. You should check with your doctors each year if you are in an HMO Advantage Plan to make sure they will continue in the plan. It is always best to keep updated for changes to Medicare Insurance Plans Visit our Medicare Overview Page. Get Online quotes for 2023 at Medicare insurance Plans. Or set a no-obligation phone appointment.
