Hello, I am Matthew Carter, owner of A. C. & A. in Lagrange, Ky. A. C. & A., which also serves Louisville. Specializes in Medicare planning. Today, we are going to discuss the Medicare HMO and PPO.

The Medicare HMO is a network of doctors from whom Medicare recipients must seek treatment to receive coverage from their plan. Primary care physicians must authorize prior visits to specialists.

The only time a Medicare recipient can go out-of-network is in emergencies. The Medicare PPO is a more expansive network of doctors. The Medicare recipient can travel in and out of the network anytime without prior authorization. The Medicare PPO recipient will pay higher cost sharing when in an out-of-network facility. For more information, Google Medicare supplement Lagrange, Ky. Aines, Carter & Associates, Medicare Done Right The First Time.