Medicare advantage, HMO plans have lower co-pays, lower maximum out-of-pocket and typically have much higher extra benefits than PPO plans in the same ZIP Code. HMO plans can save money by contracting with a smaller network of doctors and hospitals. The Medicare advantage industry is moving towards HMO plans because they have more predictable cost for the insurance companies. | The Medicare Family

Medicare advantage HMO‘s plans typically have a smaller network than a PPO plan, but have lower cost and higher extra benefits. Remember when you are out of network on an HMO plan and you have an emergency, you were still charged as if you were in network that is the rule for all HMO plans from any insurance company. If you need help with your Medicare insurance choices book a free appointment at themedicarefamily.com. We licensed and all 50 states we can educate you help you enroll and help you

What's the difference between an HMO and a PPO? | Medicare Resource Center