HMOs: An HMO plan only covers care from doctors who contract with the HMO. You will need to choose a primary care doctor from within the HMO network, and he or she will coordinate your care. These plans typically have lower premiums than other types of Medicare Advantage plans.
PPOs: A PPO plan covers care from in-network and out-of-network providers, but you will pay less if you use in-network providers. You do not need to choose a primary care doctor, and you do not need referrals to see specialists.
PFFS: A PFFS plan contracts with providers to provide services at a set price. You can see any doctor that accepts the plan’s terms and conditions. You do not need referrals to see specialists.
SNPs: An SNP is a type of Medicaid managed care organization (MCO) that limits membership to people with specific diseases or characteristics. These plans typically have lower premiums than other types of Medicare Advantage plans.