有什麼型別的醫療保險計劃？
有什麼型別的醫療保險計劃？
 When you qualify for Medicare there are two basic choices, you can keep original Medicare and purchase a Medicare Supplement and Prescription drug plan or you can enroll in a Medicare Advantage Plan. Medicare Supplements have a variety of coverage options. Medicare Advantage Plans basically take the place of original Medicare in that administration is taken over by the insurance company. You have HMO's. These plans have a network that you MUST use. PPO's or Preferred Provider Organizations, you can use any provider but the copay's are less if you stay in network. You also have a few Private Fee For Service plans still out there. These are less popular because even though you can go to any doctor, that doctor can refuse coverage on a visit by visit basis. These are the most common plans available. A good agent specializing in the needs of seniors can go into more detail on how they work and the options available.
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