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Your Medicare Advantage Coverage Options

Health Maintenance Organization plans (HMO) and Preferred Provider Organization plans (PPO) are the most common types of Medicare Advantage plans. Compare the points below to see if an HMO or a PPO plan is best for you.

What's the difference between HMO & PPO plans?

Read about the difference between HMO and PPO plans below. 

HMO (Health Maintenance Organization)

I'm looking for coordinated care and cost savings:

  • Care coordinated through your primary doctor
  • Typically lower premiums
  • Affordable copays for doctor visits

An HMO is a type of Medicare Advantage plan that takes the place of Original Medicare. With an HMO plan, you must receive care from doctors and hospitals within the plan's network, except for emergency or urgent care. Prescription drug coverage is included with most of these plans.

PPO (Preferred Provider Organization)

I'm looking for flexibility and freedom of choice:

  • Access to in-network and out-of-network doctors
  • Coverage when you travel

A PPO is a type of Medicare Advantage plan that takes the place of Original Medicare. With a PPO plan, you can receive care within a network of doctors and hospitals or use out-of-network doctors and hospitals for covered services, usually for a higher cost. Prescription drug coverage is included with most plans.

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A division of HealthNow New York Inc., an independent licensee of the BlueCross BlueShield Association. BlueCross BlueShield of Western New York is a Medicare Advantage plan with a Medicare contract and enrollment depends on contract renewal. This information is not a complete description of benefits. Call 1-800-329-2792 (TTY 711) for more information. BlueCross BlueShield of Western New York complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-833-735-4515 (TTY: 711).注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 1-833-735-4515 (TTY: 711).

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Content Last Updated October 1, 2018.