Part C: the Medicare Advantage Plans have co-pays and co-insurance. These plans consist of organizations like: HMO's (Health Maintenance Organizations) where you must visit a primary physician in the network to receive any specialist referrals within the network and PPO's (Preferred Provider Organizations) where you are not required to visit a primary care physician in order to see any specialist within or outside of the network.
Some of the Medicare Advantage Plans offer an annual out-of-pocket limit that protects you from exceptional circumstances of unplanned hospital and medical costs compared to "Original Medicare" that has no out-of-pocket limits.
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