You are referring to the Medicare Advantage plans?
Those vary by state and also vary from year to year.
Last year, one of the major carriers in my state changed from PFFS to HMO. They skipped over my geographical area, so I had to go with another carrier.
I noticed that this year (for 2011), their HMO will now cover my area. If I select their plan, my doctor co-pay will drop. It is $15 for 2010, but increasing to $20 for 2011 with my current plan. The HMO doctor co-pay will be $5.
The HMO doctor co-pay will be $5.”
And how many of your doctors are in your HMO network?