Medicare Advantage: HMO vs. PPO

Medical Mutual offers both health maintenance organization (HMO) and preferred provider organization (PPO) Medicare Advantage plan options. These plans let you stretch your healthcare dollars with plan premiums starting as low as $0 and affordable out-of-pocket costs.

Compare an HMO Plan to a PPO Plan

MedMutual Advantage HMO and PPO plans have similar benefits, but you should know the key differences before choosing a plan. 

HMO Plans  PPO Plans 
 HMO plans offer affordable, cost-effective healthcare options when utilizing our large network of providers.

While HMO plans often cost less than PPO plans, they require you to use in-network providers for services to be covered. Exceptions are for emergency care, out-of-area urgent care or out-of-area dialysis. 


 PPO plans provide access to our large network of providers, but also offer the flexibility and coverage to receive care from out-of-network providers.

These plans generally cost more, and services obtained outside the network will usually result in higher out-of-pocket costs.

Plan Features

All MedMutual Advantage plans include:

  • Hospital and medical coverage
  • Prescription drug benefits
  • Dental and vision coverage (additional coverage also available for purchase)
  • Hearing coverage
  • $0 preventive services
  • Large network of doctors and hospitals
  • Additional health and wellness programs and services at no extra cost

Dental, Vision and Hearing

Preventive dental, vision and hearing coverage is included in all Medical Mutual Medicare Advantage plans. You can also purchase additional dental and vision coverage when you enroll. Learn more about our dental, vision and hearing coverage.

Programs and Services at No Additional Cost

When you enroll in a Medicare Advantage plan from Medical Mutual, you’ll get access to programs and services at no additional cost. These include SilverSneakers®, an allowance for over-the-counter items, telemedicine visit options, a 24/7 Nurse Line, help managing chronic conditions and much more. Some plans include our MedMutual MyChoice benefit, which lets you pick between additional dental coverage or a flex card with additional funds that can be used to cover things such as vision and hearing expenses, over-the-counter items, transportation and meal deliveries. Learn more about our additional programs and services.

Find a Provider

Find a Drug or Pharmacy

Free Medicare Information

Get a free copy of our Medicare guide.

The service area for the MedMutual Medicare Advantage HMO and PPO plans includes the following counties in Ohio: Adams, Allen, Ashland, Auglaize, Brown, Butler, Carroll, Champaign, Clark, Clermont, Clinton, Columbiana, Coshocton, Crawford, Cuyahoga, Darke, Defiance, Delaware, Erie, Fairfield, Fayette, Franklin, Fulton, Geauga, Greene, Guernsey, Hamilton, Hancock, Hardin, Harrison, Henry, Highland, Hocking, Holmes, Huron, Jackson, Knox, Lake, Licking, Logan, Lorain, Lucas, Madison, Mahoning, Marion, Medina, Mercer, Miami, Monroe, Montgomery, Morgan, Morrow, Noble, Ottawa, Paulding, Perry, Pickaway, Pike, Portage, Preble, Putnam, Richland, Ross, Sandusky, Scioto, Seneca, Shelby, Stark, Summit, Trumbull, Union, Van Wert, Vinton, Warren, Washington, Wayne, Williams, Wood and Wyandot.