There are three types of age ratings with Medigap. Attained-age-rated, issue-age-rated, and age-community-rated.

A demonstration / pilot program, sometimes labeled “DEMO,” is offered to a limited population for a limited time to test improvements in Medicare coverage, payment, and quality of care.

Coordinated-Care plans (CCPs) are plans with a network of healthcare providers that is pre-approved by the Centers for Medicare and Medicaid Services (CMS). These include HMOs, PPOs, HMOPOSs, and SNPs.

Private Fee-for-Service (PFFS) plans may or may not offer a specific network, these plans generally however work like Original Medicare where you go to any Medicare-approved healthcare provider that agrees to the plan’s payment terms.

Medical Savings Account (MSA) plans combines a high deductible health plan with a health savings account.

HMO Point of Service (HMOPOS) plans are HMO plans that may allow you to get some services out-of-network for a higher cost.

Preferred Provider Organization (PPO) plans offer networks of healthcare providers that are deemed “preferred providers.”

Health Maintenance Organization (HMO) plans typically offer lower prices by limiting your care to healthcare providers within the HMO’s network in non-emergency situations and requiring referrals from a primary care doctor to see other doctors or specialists.

Maximum Out-of-Pocket limit (MOOP) is the maximum amount you can spend in a year on in-network copays and coinsurance for covered or eligible medical and hospital services covered by Original Medicare (Part A and Part B).

Special Needs Plans (SNP) are a type of Medicare Advantage Plan designed for those with specific severe or disabling chronic conditions.