|
|
Original
Medicare |
Health
Maintenance Organization (HMO) ++ |
Preferred
Provider Organization (PPO)++ |
Private-Fee-For-Service (PFFS)++ |
Medicare
Supplement++ |
|
What’s my monthly premium? |
What I pay
Medicare for Part A and Part B |
$0-$59 * |
$30-$119 * |
$0-$139 * |
Usually
costly – amount varies depending on
benefits * |
|
What are the advantages? |
It doesn’t
cost much, and you can go to any doctor
who accepts Medicare. |
You can
save money and still get good coverage.
Low, fixed out-of-pocket costs make it
easy to budget for expenses. |
You can go
to any doctor, but you can save money by
choosing a doctor on your plan’s list of
participating providers. No referrals
needed. |
You can
save money and still get good coverage.
Fixed out-of-pocket costs make it easy
to budget for expenses. |
You can go
to any doctor. |
Are there any dis-
advantages? |
Coverage is
basic, so you may need to purchase a
supplement to reduce your costs for
non-covered services. |
Your doctor
has to be on an approved list, and
you’ll need a referral to see other
providers (unless it’s an emergency). |
You’re
paying a little more to have extra
choices. |
You have to
use providers who accept Medicare and
the plan’s terms and conditions. |
The freedom
you get costs more money. |
