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A Medicare Advantage (MA) program serves as a substitute for 'free-for-service' benefits given by Medicare. The latter is in charge of handling the care advantages of individuals ages 65 and above. In California Medicare, listed below are five kinds of MA plans: <br><br> <br><br>1. Health Maintenance Companies (HMOs) - Enrollees of the MA program have to use doctors, health care professionals and facilities associated with California Medicare. Here, beneficiaries will have a primary doctor that will manage their health care needs. Note: Enrollees should get yourself a suggestion from any licensed primary-care doctor first. What's needed for HMO strategy registration are waived for 'out-of-area' and crisis critical attention. However, in the event the medical practitioner is not yet under contract with HMO or Medicare, enrollees are decided to think about seeking referrals from physicians. HMOs will be the most widely used kind of MA programs in California lately, but according to the California Patient Advocate State Office, HMOs however remains unavailable in certain Californian cities.  <br><br>2.  Enrollees must take the terms and conditions given by PFFS. To place it in this manner, their selected companies must acknowledge in payment the plan outside of Medicare's services. The decision on the amount to be paid-for PFFS programs will soon be as much as the individual company's purchase. By January 2011, enrollees have been required by several PFFS plans to seek recommendations from HMO beneficiaries. <br><br>3. Preferred Provider Organizations (PPOs) - The same as HMOs, Medicare PPOs have a wide network of health care providers. That MA strategy sort requires lots of paying lower co-payments instead of seeking recommendations from external companies.  PPO 1 centers around Medicare Part D protection while deductible health care benefits are covered by PPO 2. The normal denominator of the two PPOs is the fact that they reveal annual restrictions from limitless pocket expenses. PPO pays hundreds of the entire included Medicare companies every quarter of-the year. <br><br>4. Health-related Savings Accounts (MSAs) - This MSAs for Medicare were previously available in California before its start in 2007.  <br><br>* High-Deductible Medical Care - An MSA program which focuses in protecting Medicare Parts An and B, excluding non-deductible services.  <br><br>5.  The SNP may reduce the number of enrollees in some medical care services including nursing homes, establishments etc. Also, the SNP can control how many people qualifying for 'Dual-Eligible' ser-vices given by Medi-Cal. Most of the moment, SNP isn't contemplating students with exceptional limiting conditions or chronic ailments. The quest of SNP is to provide medical care insurance and other services to individuals who is able to benefit from specific network suppliers. More [http://chayanee.ning.com/profiles/blogs/finding-a-medicare-provider-that-is-right View It].