Hello, my name is 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 that the Medicare recipient must seek treatment from in order to receive coverage from their plan. Prior authorizations are required from the primary care physicians to go to specialists. The only time a Medicare recipient can go to 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-network anytime without prior authorizations. When in an out-of-network facility, the Medicare PPO recipient will pay higher cost sharing. For more information Google Medicare supplement Lagrange, Ky. Aines, Carter & Associates, Medicare Done Right The First Time.