Comparar tipos de planes Medicare Advantage

Obtenga información específica sobre un tipo de plan que le interese.

Tipo de plan	HMO Organización para el Mantenimiento de la Salud	Organización de Proveedores Preferidos (Preferred Providers Organization, PPO) Organización de Proveedores Preferidos	PFFS Plan Privado de Pago-por-Servicio (PFFS)	SNP Plan para Necesidades Especiales	MSA Cuenta de ahorro médico
Prima ¿La mayoría de los planes cobran una prima mensual?	Sí Muchos cobran una prima además de la prima mensual de la Parte B.	Sí Muchos cobran una prima además de la prima mensual de la Parte B.	Sí Muchos cobran una prima además de la prima mensual de la Parte B.	Sí Muchos cobran una prima además de la prima mensual de la Parte B.	No No separate monthly premium, but you must continue to pay your monthly Part B premium.
Medicamentos ¿El plan ofrece cobertura de medicamentos recetados de Medicare (Parte D)?	Generalmente If you want drug coverage, you have to join an HMO that offers it. You can't get a separate Medicare drug plan.	Generalmente If you want drug coverage, you have to join a PPO that offers it. You can't get a separate Medicare drug plan.	Algunas veces Drugs may be covered. If you join a PFFS Plan that doesn’t offer drug coverage, you can get a separate Medicare drug plan.	Sí All SNPs must offer Medicare drug coverage (Part D).	No If you join a MSA Plan and want Medicare drug coverage, you'll have to join a separate Medicare drug plan.
Cuidado de salud primario ¿Debe elegir un médico de cuidado de salud primario?	Generalmente	No	No	Algunas veces Algunos SNP requieren que elija un médico de atención primaria y otros no.	No
Proveedores ¿Puedo usar cualquier médico u hospital que acepte Medicare para los servicios cubiertos?	Algunas veces You generally must get your care and services from providers and facilities in the plan’s network (except emergency or urgent care or out-of-area dialysis). In an HMO Point-of-Service (HMOPOS) Plan you may be able to get some services out of network, but you usually pay more.	Sí Each plan has a network of doctors, hospitals, and other providers that you may go to. You may also go out of the plan’s provider network, but you may pay more.	Sí You can go to any Medicare-approved provider or facility that accepts the plan’s payment terms and agrees to treat you. If the plan has a network, you can use any providers in the network. If you go to an out-of-network provider that accepts the plan’s terms, you may pay more.	Algunas veces If your SNP is an HMO, you generally must get your care and services from doctors or hospitals in the SNP's network (except for emergency, urgent care, or out-of-area dialysis). However, if your SNP is a PPO, you can get Medicare-covered services out of network.	Sí MSA Plans generally don’t have network providers. You can go to any Medicare-approved provider or facility that agrees to treat you and hasn't opted out of Medicare for services that Original Medicare covers.
Referidos ¿Necesito un referido de mi médico para ver a un especialista?	Sí	No	No	Algunas veces If the SNPs is an HMO, you generally need a referral. If the SNP is a PPO, you don't need a referral.	No

Note: If you have a Medicare Advantage Plan, you’ll typically need prior authorization from your plan before it covers certain services or supplies. Contact the plan if you have questions about coverage.

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