It is important that you choose a Medicare plan that is offered in your area.  Most often, Medicare carriers are members of a network of doctors and hospitals in the area.  These doctors and hospitals will accept Medicare plans provided by the Medicare carriers within the network.  If you choose to use a Medicare Plan that is outside of the network, you may not receive coverage for the healthcare fees you experience.  However, in the case of an emergency you may receive extended coverage on your Medicare plan. 

 

HumanaChoice PPO Plan R5826-009 has a premium of $179 per month. For primary care visits there is $15 copay when the primary care physician is notified. For specialist visits there is $35 copay and members receive one annual physical exam. There is $225 copay per days 1-7 for impatient hospital care and $50-$150 copay per outpatient visit. Pharmacy is included, see plan for details.

 

HumanaChoice PPO Plan R5826-023 has a monthly premium of $0. For primary care visits there is $10 copay when the primary care physician is notified. For specialist visits there is $30 copay and members receive one annual physical exam. There is $550 per stay for impatient hospital care and $50-$95 copay per outpatient visit. Pharmacy is not included.

 

While selecting the Medicare plan that is right for you, you must consider the costs and benefits associated with the plan. Physician networks, hospital charges, skilled nursing, and other coverage offered by the plan are important factors to keep in mind. 

 

The difference between HMO and PPO plans in Medicare is that PPO, or Preferred Provider Organization plans offer beneficiaries the choice of their primary care physician and the choice of what health care provider they would like to go to at a higher copay rate. Health Maintenance Organization plans also tend to be more affordable.

 

If you are interested in getting a Medicare Plan and live in Wisconsin, please contact the Medicare experts at MyBestMedicare.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.