Plan TypeHealth Maintenance OrganizationPreferred Provider OrganizationPrivate Fee-for-Service (PFFS) PlanSpecial Needs PlanMedicare Savings AccountPremiumDo most plans charge a monthly premium?YesMany charge a premium in addition to the monthly Part B premium.YesMany charge a premium in addition to the monthly Part B premium.YesMany charge a premium in addition to the monthly Part B premium.YesMany charge a premium in addition to the monthly Part B premium.NoYou won't have to pay a separate monthly premium, but you'll continue to pay your Part B premium.DrugsDoes the plan offer Medicare prescription drug coverage (Part D)?UsuallyIf you join an HMO plan that doesn’t offer drug coverage, you can't get a separate Medicare drug plan.UsuallyIf you join a PPO plan that doesn’t offer drug coverage, you can't get a separate Medicare drug plan.UsuallyIf your PFFS Plan that doesn’t offer drug coverage, you can get a separate Medicare drug plan.YesAll SNPs must provide Medicare drug coverage (Part D).NoYou may join a separate Medicare drug plan.ProvidersCan I use any doctor or hospital that accepts Medicare for covered services?SometimesYou generally must get your care and services from doctors, other providers, or hospitals in the plan’s network (except emergency or urgent care or out-of-area dialysis). In an HMO Point-of-Service (HMOPOS) Plan you may be able to get some services out of network for a higher copayment or coinsurance.YesEach plan has a network of doctors, hospitals, and other providers that you may go to. You may also go out of the plan’s network, but your costs may be higher.YesYou can go to any Medicare-approved doctor, other health care provider, or hospital that accepts the plan’s payment terms and agrees to treat you. If the plan has a network, you can use any of the network providers. (If you go to an out-of-network provider that accepts the plan’s terms, you may pay more.)SometimesIf your SNP is an HMO, you must get your care and services from doctors or hospitals in the SNP's network (except for emergency, urgent care, or out-of-area dialysis). However, if your SNP is a PPO, you can get Medicare-coveredservices out of network.YesMSA plans generally don’t have network providers. You may go to any Medicare-approved provider for services that Original Medicare covers.Primary CareDo I need to choose a primary care doctor?UsuallyNoNoVaries by planSome SNPs require you to choose a primary care doctor and others don’t. NoReferralsDo I need a referral from my doctor to use a specialist?YesNoNoMaybeIf the SNPs is an HMO, you need a referral. If the SNP is a PPO, you don't need a referral.No.., Compare types of Medicare Advantage Plans including HMO, PPO, MSA, PFFS and SNP., Visit Medicare.gov/plan-compare to shop and compare Medicare Advantage and other Medicare plans that meet your needs. You can also enter your drugs and pharmacies to get more accurate costs for plans in your area..