4. SPECIAL NEEDS PLANS (SNPS) SNPs are tailored for individuals with specific health conditions or characteristics, such as chronic diseases or institutional care needs. The plan’s benefits and provider network are customized to address the needs of the targeted population. Enrollment in an SNP is generally restricted to those who meet the plan’s specific criteria. 5. HMO POINT OF SERVICE (HMO-POS) PLANS HMO-POS plans are a variation of HMOs that allow you to receive some services out of the network, often at a higher cost. You must use your PCP for in-network referrals, but you can access certain specialized services out of network without referrals. 6. MEDICAL SAVINGS ACCOUNT (MSA) PLANS MSA plans combine a high-deductible health plan with a medical savings account. Medicare deposits a set amount of money into your savings account, towards payment for healthcare services until you reach the deductible. Once the deductible is met, the plan covers Medicare-covered services. 7. MEDICARE COST PLANS (ONLY AVAIL. IN CERTAIN AREAS) Medicare Cost plans are a less common type of plan that allows you to use both Medicare and out-of-network providers. These plans follow different rules regarding how you get services in and out of network and may be more flexible in some cases. 8. PROVIDER SPONSORED ORGANIZATION (PSO) PLANS PSO plans are offered by a group of healthcare providers, hospitals, or a healthcare system. The network of providers is typically restricted to those within the organization. 9. TRIAL/INNOVATION PLANS These are experimental or demonstration plans authorized by Medicare to test new approaches to providing healthcare services. They are typically available for specific purposes and may have limited geographic availability.
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