Originally Posted by okmunky
Am I just lucky, or donít all PPO Medicare advantage plans travel well? I've used it in 5 states so far and never had a problem. I've avoided HMO plans because I've heard they donít travel.
when i became eligible for medicare in '15 i wanted to stay with BCBS because i'd been with them forever...35+ via my employers and had been extremely pleased with them. i looked at the Part C plans (Medicare Advantage) and saw they broke into two flavors...HMO and PPO. the rules at that time for HMO (they may have changed) required that I select a primary care doc in my home area. If I traveled beyond my home area for vacations I was required to give the HMO 2-weeks notice and I would then be assigned to a PCP in that area but coverage would be for "emergencies only" and what was considered to be an emergency would depend on how the doc coded the event.
The PPO plan allowed us to travel without notification but it would be up to me to find a doc 'in plan' to receive the PPO benefits. I could go "off plan" with any doc but then the benefits were pretty much split 80/20. I have a history of kidney stones...both of which occurred on the road and one required three ER visits and an out-patient procedure at a hospital. 20% would have been a huge number.
so I opted for traditional medicare, a BCBS plan f and a BCBS Part D plan. for me it's been a good choice. my wife made the same choice for pretty much the same reasons when her time came. I've since been told that if one switches to a Part C plan and then wants to switch back to traditional medicare a medical exam may
be required in order to get a traditional supplement.