Are prescription drugs covered under PPO Medicare Advantage Plans? In most cases, yes they are covered. You should ask your Medicare plan provider to ensure your prescription drugs are covered, though. If your PPO plan does not offer prescription drug coverage, you cannot enroll in a separate Medicare Part D drug coverage program. If you decide to do so, you will lose your Medicare Advantage Plan and be reenrolled in Original Medicare.

As already mentioned above, since PPO plans have preferred providers, you will save money by using the providers in their network. The option to use out-of-network providers is there, but you will pay more out-of-pocket. PPO plans also always cover you for emergency visits, as well as care deemed urgent.

Since you do have the option of using out-of-network providers, you also do not have to choose a primary care physician or get referrals to see specialists, like you would if you were enrolled in an HMO (Health Maintenance Organization) plan.