By the same token they don't refuse to accept any Medigap plan.
MAPD PPO vs Medigap?
- Thread starter The Medicare Gal
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- ppo mapd vs medigap
By the same token they don't refuse to accept any Medigap plan.
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- #52
The Medicare Gal
Guru
Just read through the whole thread I started months ago. Lots of insight here.
Maybe you can clear something else up that has to do with MAPD PPOs:
What do I need to know about these types of MAPD PPO plans?
We didn't have anything but one PPO in my former home.
I've also just run across my first Medigap SELECT plan. Wow, so many pitfalls to watch out for in this new state I'm in!
Any insights on the LPPO and RPPO would be appreciated!
Maybe you can clear something else up that has to do with MAPD PPOs:
LPPO vs RPPO vs PPO
What do I need to know about these types of MAPD PPO plans?
We didn't have anything but one PPO in my former home.
I've also just run across my first Medigap SELECT plan. Wow, so many pitfalls to watch out for in this new state I'm in!
Any insights on the LPPO and RPPO would be appreciated!
L = Local
R = Regional
Local might have a smaller network
Regional might not have a good network everywhere its offered (might be offered the whole state) AARP RPPO in NY comes to mind with good upstate network not so goon in LI but it's still offered whole state because its regional
- Thread starter
- #54
The Medicare Gal
Guru
If a client goes with an RPPO or an LPPO, it basically means that if they go out of state it will be out of network? No other "gotchas" I have to worry about?
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- #55
The Medicare Gal
Guru
Correction, not just out of state, but out of the area, is what I meant.
Just means the service area is larger LPPO might be a couple of counties a regional will be the whole state
Most MA plans don't cover out of state (except Emergency which is always in-network)
There are a few I know that cover 2 or 3 state region and there are some that have notional coverage but that is usually like UHC passport, Aetna has its version where you have to call and let them know beforehand when out of state
guess it depends on the state. My LPPO's have the same network as the RPPO's. But because they have copays different by each service area, you may save some by moving to the LPPO. This is in reference to humana, uhc and ppo here in FL. Same network nationwide.
There are certainly differences from place to place, as far as network, But I do understand the regional will be offered throughout the sate and a local will be offered in specific counties at least that was the way it was explained to me
As far as network local vrs regional, I used the word might, meaning its not a hard-fast rule but can be effected
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