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Wisconsin Medicare Insurance

Types of Wisconsin Medicare Advantage Plans

Medicare Advantage Plans are divided into the following 6 types.

Health Maintenance Organization (HMO) Plans: HMO plans generally require that you receive health care services through a network of local providers except for emergency room, urgent care and renal dialysis services. In order to see specialists, your primary care physician generally must provide a referral. In exchange for accepting these requirements, out-of-pocket costs are typically lower than all other plan types.

Point-of-Service (POS) Plans: POS plans are similar to Medicare Advantage HMO plans, but you can choose to see out-of-network providers for certain services, generally at an increased cost for copayments and coinsurance.

Preferred Provider Organization (PPO) Plans: PPO plans offer a network of providers whose services will be the most affordable in the plan, but you can choose to see out-of-network providers for all covered services in the plan, generally at an increased cost for copayments and coinsurance. Referrals to specialists are not required.

Private Fee-For-Service (PFFS) Plans: PFFS plans offer the flexibility of seeing any Medicare-eligible provider that accepts the plans terms and conditions of payment. Referrals to specialists are not required. You must make sure the doctor will take your insurance when making each appointment.

Special Needs Plans (SNP): A SNP is a Medicare Advantage plan that is limited to people with specific diseases or chronic conditions. Benefits, provider choices and the list of covered drugs are tailored to meet the specific needs of the groups they serve.

Medical Savings Account (MSA) Plans: MSA plans combine a high-deductible health plan with a bank account. With these plans, Medicare will deposit money into the account, usually less than your deductible amount, which you can use to pay for your health care services throughout the year. You will usually have some out of pocket costs, and only Medicare covered expenses will count toward your deductible. Once deductibles are met, which may be several thousand dollars, the insurance plan coverage will take over.

Whether it's a Medicare Advantage plan or a Medicare Supplement an FFRG Medicare specialist can assist in choosing the right plan for you. Call us today at 800-354-3548.

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Medicare Supplement Insurance Plan Disclosures

Neither Future Financial Resource Group nor the Medicare Supplement insurance policies it sells are connected with or endorsed by the U.S. government or the federal Medicare program.

Plans may be available to persons eligible for Medicare by reason of disability. All plans may not be available in your state/area. Call to receive complete information including benefits, costs, eligibility, requirements, exclusions and limitations.

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