The Medicare Advantage Open Enrollment Period began January 1 and will end March 31. Those who elected this coverage have the opportunity to change plans. Many are familiar with HMO (health maintenance organization) and PPO (preferred provider organization) plans, which account for over 95% of Medicare Advantage plans. But there are three plans that aren’t as well known.
HMO-POS plan
This is an HMO plan that adds a point-of-service (POS) option. A few years ago, I rarely saw an HMO-POS plan but today, there are more. For example, in a North Carolina city, they now make up almost a quarter of the plans.
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