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Medicare PPO— Offered by a private health plan.

Similar to HMOs, except some coverage for care from nonnetwork

Full coverage only from network providers. Same caution as above.

providers and direct access to specialists.

Medicare PFFS— Offered by a private health plan.

Coverage for care from most doctors and hospitals in the country.

Monthly premiums and out-of-pocket expenses may be very high Same caution as above.

277

GOVERNMENT HELP FOR YOUR RETIREMENT

Table 13.7

(Continued)

Medicare options

What you receive

Things

to remember

Medicare MSA— Offered by a private health plan.

Coverage for care only after you pay deductible (may be as much as $6000). If not much health care is needed, extra money can be freed up to use on health care when needed.

If you get sick, there will be a very high out-of-pocket expense due to deductible (as much as $6000) before coverage begins. Same caution as above.

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