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Summary of Benefits
A Health Maintenance Organization (HMO) is a type of Medicare Advantage plan that requires you to choose a primary care physician from a network of approved healthcare providers. If you need to see a specialist, you must have a referral from your primary care doctor. You must receive all routine care from plan providers.



A Preferred Provider Organization (PPO) is a type of Medicare Advantage plan that allows you to see in-network doctors or out-of-network doctors. Member cost-sharing may be higher when plan benefits are received from out of network providers.


 
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Y0073_MKT_03_10
Approved 5/13/2010
Last Update: 5/13/2010