Health Maintenance Organization (HMO)
With most HMO plans, you must use doctors and hospitals within the plan’s network—except in emergencies or urgent care situations. You may also need a referral to see a specialist.

Preferred Provider Organization (PPO)
PPO plans offer more flexibility. You’ll pay less when you use providers in the plan’s network, but you can still go out-of-network—you’ll just pay more for those services.

Private Fee-for-Service (PFFS)
PFFS plans work a bit like Original Medicare. You can usually visit any provider who agrees to the plan’s terms. The plan decides how much it will pay and how much you’re responsible for at the time of service.

Medical Savings Account (MSA)
MSA plans combine a high-deductible health plan with a special bank account. Medicare deposits money into the account each year, and you can use it to pay for your health care.
Note: MSA plans don’t include drug coverage—you’d need to enroll in a separate Medicare Part D plan for prescriptions.

HMO Point-of-Service (HMOPOS)
This is a type of HMO that may let you receive some care outside the network, but you’ll pay a higher copayment or coinsurance for doing so.

Special Needs Plans (SNPs)
SNPs are designed for people with specific needs, such as those who:

• Have both Medicare and Medicaid

• Live in a nursing home

• Have certain chronic conditions (like diabetes or heart failure)
  These plans tailor care to your specific health situation.