• Little or no premium. (Most plans recently have a $0 premium.)
• Affordable and Predictable co-pays
• Part D Drug coverage is included in the coverage.
• Many extra benefits are also included like dental, vision,
hearing, OTC, Silver Sneakers, etc.….
HMO MAPD Plans: Require referrals to see specialists. PPO MAPD Plans: Referrals are not required and you are covered both in and out of the network. (Out of network will cost more.) Networks are generally larger as well.
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