A Medicare Advantage network is the group of doctors, hospitals, and other health care providers that have agreed to provide services to plan members at negotiated rates. HMO plans require in-network care. PPO plans allow out-of-network care at higher cost. Verify your doctors are in-network before enrolling.
Key Points
- Medicare Advantage network: group of providers with negotiated rates
- HMO: requires in-network care except emergencies
- PPO: allows out-of-network care at higher cost
- Verify your doctors are in-network before enrolling
- Network can change each year — verify annually