Medicare Advantage HMO plans
With most Medicare Advantage HMO plans, you typically choose a primary care physician who helps coordinate your care within a network of doctors and hospitals. It’s Medicare coverage that can help you get the right care at the right time.
A health maintenance organization (HMO) gives you access to a network of doctors and hospitals that you must use in most cases. Most HMO plans require you to get a referral from a primary care physician for hospital care and specialist visits. There are typically limited out-of-network benefits with an HMO plan.
Medicare Advantage HMO-POS plans
With most Medicare Advantage HMO-POS plans, you have the flexibility to see out-of-network providers for some services. You may pay more when you go out of network. It’s a coordinated approach to your Medicare coverage that may give you more options.
Point-of-service (POS) plans generally offer you more choice than traditional HMO plans. While in most cases you choose an in-network primary care physician, you can also see providers for certain types of services outside of network. However, you may pay more for out-of-network care you receive.
Medicare Advantage PPO plans
With Medicare Advantage PPO plans, you can visit any Medicare-approved doctor, in or out of Aetna’s provider network, who accepts Aetna’s plan terms. It’s Medicare coverage that gives you the freedom to choose.
Preferred provider organization (PPO) plans let you choose any provider who accepts Medicare. You don’t need a referral from a primary care physician for specialist or hospital visits. However, using providers in your plan’s network may cost less.
Plan benefits that go beyond Original Medicare
Most Aetna Medicare Advantage plans include extra benefits and services that focus on your total health. We want to help you get the coverage, resources and care you need.