There is a need to explore your possible decisions when it comes to searching for Medicare insurance. Medicare supplements may be the way to go for some people, but an informed decision is better than just following the bandwagon.

Medicare Advantage Plans: The 6 Types Available

1. (HMO) Health Maintenance Organizations

In order to receive care, there is a need to make sure that all the medical professionals and medical centers that you will use, must belong to such network. It is also equally important to get a referral when seeing a specialist. It may be possible though, to still get care even outside the said network especially, in rare cases such as an emergency.

2. (PPOs) Preferred Provider Organizations

A Medicare Advantage PPO type of plan is more flexible with choices when it comes to medical professionals and centers. When your plan is PPO, there is no need to get approval, that could typically come from the company. You just need the discretion of the clinic for a doctor-to-doctor referral.

3. (PFFS) Private Fee For Service

This plan is something that is more limited when it comes to coverage. You need to do your research and make sure that your preferred doctor accepts this type of plan.

4. (POS) Point of Service Plan

This has both the qualities of a PPO and an HMO. It has more flexibility than that of an HMO, as well as thatof a PPO. There are more medical professionals and hospitals that are in-network in a POS plan, but this availability comes with a higher cost.

5. (SNP) Special Needs Plan

A Medicare Special Needs Plan were conceptualized for people who have specific conditions that are chronic. This may help in the betterment of the beneficiary especially in continuous quality care. These plans will help facilitate one’s health status, and manage diseases that are chronic.

6. (MSA) Medicare Savings Account

This type of plan usually has a much higher deductibles.

Enrollment Facts

There are two instances wherein you can can enroll in any Medicare Advantage Plan. One is when you are a new participant to Part A and Part B of Medicare, or two – during each year’s Annual Election Period (AEP). During the period of AEP, one is free to investigate what is offered by the insurance companies of the private sector. This is when you can do an evaluation on what would be best suitable for you. It would be good to note that all insurance companies in the private sector that offer Medicare Advantage Plans must have a contract with Medicare and abide by their regulations.

Advantages and Disadvantages


1) There won’t be any uncomfortable health questions that you need to answer. Medical beneficiaries can apply, except for certain conditions.

2) Medicare Advantage plans give premiums that are lower than Medicare Supplement plans. Some areas have zero premium plans. It is a requirement however, to continue the payment for Medicare Part B.

3) Some plans have benefits for vision and dental needs. This is in addition to the usual hospital coverage and other doctor visits. It may even be possible to get free memberships for health clubs.


1) Almost all Medicare Advantage plans need a co-pay every time you use the plan.

2) Medicare Advantage plans only apply in your own service area. You have the right, however to transfer to another plan.

It would be better to communicate with Columbia River Insurance Services since Medicare plans may not work in the same manner. An experienced agent can help you make an informed decision and you can get the free consultation that you need.

In Washington, call: 360.883.5776

In Oregon, call: 503.808.1111

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