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What is the difference between a Medicare HMO and PPO plan? Cost, Benefits and Networks Cost PPO plans tend to have a higher average monthly premium than Medicare HMO plans. PPO plans will also generally have higher copays and maximum out of pocket costs. Benefits While both plans cover hospital and physician services, Medicare HMO plans traditionally have great additional benefits such as; flex card benefits, Part B give back, credit towards over-the-counter items and much more. Networks Both Medicare plans have a network of doctors and facilities and will offer lower out of pocket costs when staying inside the network. PPO plans will still provide coverage outside of network HMO plans do not cover outside of network, except in emergency In general, PPO plans tend to provide much more flexibility and have larger networks than Medicare HMO plans. Compare Medicare Advantage HMO and PPO plans here: https://www.sunfirematrix.com/app/con... Call Today to speak with an agent, 866-MEDIGAP (866-633-4427) #medicare #medicareadvantage #HMOvsPPO #medicarewithmelissa #womanownedbusiness