Tradtional vs HMO: Tradional medicare is where you have the gov't sponsored plan that pays 80% of your doctor visits. Often a "medi-gap" insurance is needed to cover you for the remaining 20%. Or one can opt into a medicare hmo where you will have various co-payments, and restrictions. Tradional medicare does not require referrals and one is not restricted to a specific insurance network.
Answered 4/21/2013
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