This popular type of Medicare Advantage plan provides coverage through a network of healthcare providers. Enrollees select a primary care physician (PCP) to coordinate care and refer to specialists when necessary. Beneficiaries generally receive care from in-network providers, except during emergencies or urgent care.

PPO plans offer more flexibility in choosing healthcare providers than HMO plans, but may have significantly higher premiums. Members can see any healthcare provider they prefer, with lower out-of-pocket costs for in-network providers.

Beneficiaries with PFFS plans can see any healthcare provider who accepts the plan's payment terms and conditions. These plans determine payment amounts for providers and plan members, which can differ from traditional Medicare reimbursement rates.

SNPs cater to individuals with specific health conditions or circumstances. They tailor benefits, provider networks, and drug formularies to best serve their target populations' needs. The three main SNP types include Chronic-Condition Special Needs Plans (C-SNPs) for chronic or disabling conditions, Institutional Special Needs Plans (I-SNPs) for long-term care facility residents, and Dual-Eligible Special Needs Plans (D-SNPs) for Medicare and Medicaid-eligible individuals.

MSA plans merge a high-deductible health plan with a medical savings account, offering a unique approach to healthcare expense management. A certain amount is deposited into the member's yearly MSA for qualified medical expenses before the deductible is met. The plan covers additional healthcare costs after reaching the deductible. MSA funds can be tax-free for Medicare-covered services and other qualified medical expenses. Unused funds roll over yearly, building up savings for future healthcare needs.

This is a variation of traditional HMO plans that provides more flexibility in seeking care from out-of-network providers. Members can see certain out-of-network providers for specific services at higher costs while requiring a primary care physician. Premiums, copayments, and coinsurance for HMOPOS plans can vary, which makes it important to review plan details thoroughly to ensure they meet healthcare needs and preferences.