Medicare Advantage

PPO- Preferred Provider Organization

1. NO Referral needed
2. Out of network coverage
3. Prescription Drug coverage

HMO-Health Maintenance Organization

1. Referral needed
2. NO out of network coverage
3. Prescription Drug coverage

Medicare Supplements (Letters A-N)  fill in the gaps of the 20% that Medicare's

 Part A- Impatient Hospitals-Hospice-Home Health

Part B- Doctors & Outpatient Facilities

Don't cover.

NO Cap to the Maximum $$ out of your pocket each year

Medicare Part D- Prescription Drugs Coverage

* Copay- A fixed $ amount you pay for a service

* Co-Insurance- A % you pay for a service          

 *Max out of Pocket- Set $ amount you pay out of pocket for each year