ADVANTAGE continues to offer our Preferred Provider Organization (PPO) Plans. These offerings combine your Medicare medical benefits and Part D pharmacy benefits (when part of your plan choice) to give you access to in network and out of network providers.

Our PPO Plans are contracted with a network of providers. You may also access providers who are not contracted with us (out of network); however, ADVANTAGE pays a higher benefit for services provided in network. Member cost-sharing may be higher when plan benefits are received from out of network providers.

Members choosing a PPO plan must live in one of the following counties: Allen, Boone, Delaware, Hamilton, Hancock, Hendricks, Howard, Johnson, Madison, Marion, Morgan, Shelby, St. Joseph.

If you decide to change the way you pay your Plan premium, it may take up to three months for the change to take place.

You must continue to pay your Medicare Part B premium.

* PPO Plans reimburse for all covered benefits regardless of whether they are received in network, as long as they are medically necessary.

* For PPO benefits that have the same coinsurance for in and out of network, the out of network benefits will be greater when the out of network coinsurance is based on the Medicare allowed amount and the contracted amount is lower.

All Medicare Advantage Plans agree to stay in the program for a full calendar year at a time. Plan benefits and cost-sharing may change from calendar year to calendar year. Each year, plans can decide whether to continue to participate with Medicare Advantage. A plan may continue in their entire service area (geographic area where the plan accepts members) or choose to continue only in certain areas. Also, Medicare may decide to end a contract with a plan. Even if your Medicare Advantage Plan leaves the program, you will not lose Medicare coverage.

The Medicare Program rates how well our plan performs.  Information on our Part C and D rating