HMO (Health Maintenance Organization): Requires you to choose doctors within the plan's network and get referrals for specialists. May have lower costs and extra benefits.
PPO (Preferred Provider Organization): Offers more flexibility to see doctors in or out of the network, with potentially higher costs for out-of-network care.
Private Fee-for-Service Plans: Similar to Original Medicare in terms of network flexibility, but may have different costs and coverage details.
Medicare Special Needs Plans: Designed for people with specific health conditions.

• Often have lower co-payments than Original Medicare.
• May include extra benefits like dental care, vision coverage, or wellness programs.

• You'll need to use the plan's insurance card for covered services.
• Most plans require using in-network doctors and hospitals.
• You'll still pay your monthly Part B premium, and some plans may have additional monthly fees.

• Must be enrolled in Medicare Part A and Part B.
• Open enrollment period: Generally, three months before your 65th birthday to three months after.
• You can also switch or drop a plan during a specific window each year (October 15 - December 7).

• Must be enrolled in Medicare Part A and Part B.
• Open enrollment period: Generally, three months before your 65th birthday to three months after.
• You can also switch or drop a plan during a specific window each year (October 15 - December 7).