Medicare Plans

Medicare Advantage plans from CDPHP give you all the benefits of Original Medicare coverage plus extra coverage for hearing, vision, and dental. Find a plan that works for you and your budget – including $0 premium plans.

Did you know? Thanks to the 5-Star Special Enrollment Period (SEP), you can enroll in CDPHP^® Medicare Advantage PPO plans anytime through November 30. Being a 5-Star plan has perks!

HMO or PPO – Which Medicare plan is best for you?

You’ve likely heard of HMOs (health maintenance organizations) and PPOs (preferred provider organizations). But do you understand what benefits each type of plan offers?

Choosing which plan is right for you is a big decision. Your answers to the questions below will help you find Medicare coverage that best fits your needs.

Do you spend extended periods of time away from home (3+ months)?

NO

HMO plans offer coverage for in-network providers only, with the exception of urgent and emergency care while out of the area.

Yes

PPO plans offer coverage for both in-network and out-of-network providers, so you’re covered both at home and while away.

Do you have a primary care physician (PCP)?

Yes

HMO plans require you to designate a PCP.

NO

PPO plans do not require you to designate a PCP.

What about the cost?

Lower

HMO premiums and out-of-pocket costs are typically lower. Out-of-network services are not covered with the exception of urgent and emergency care while out of the area.

Higher

PPO premiums and out-of-pocket costs are typically higher. Gives you a greater selection of doctors, specialists, and facilities to choose from.

Are you ready to enroll?

HMO plans must use a qualifying enrollment period, such as the annual or open enrollment period, or have access to a special enrollment period due to events such as turning 65, loss of employer coverage, or recent move.

PPO plans offer year-round enrollment, thanks to the 5-Star Special Enrollment Period (SEP). CDPHP PPO plans are rated 5 out of 5 stars by CMS (Centers for Medicare and Medicaid Services).

Need help deciding?

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