[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"aem-page-pages\u002Fevaluate-your-options-master":3},{"components":4,"disclaimers":102,"annoucementBar":109},[5,29,33,44,65],{"typename":6,"complianceLinks":7,"navigationLinks":8,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":16,"alt":17,"images":7,"narrowCallOut":18,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":26,"primaryButton":7,"secondaryButton":7,"alertBar":7},"HeaderModel",null,[9,13],{"text":10,"target":11,"href":12,"parentText":7},"Learning Hub","_self","\u002Flearning-hub",{"text":14,"target":11,"href":15,"parentText":7},"About Us","\u002Fabout-us","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceBrand","Reliance Brand",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":7,"ttyNumber":21,"iconPath":22},"Need help?","Call a licensed sales agent","711",[23],{"alt":24,"imagePath":25},"Call Phone","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FcallPhone?fmt=png-alpha",{"text":27,"colorClass":28},"Search plans","primary",{"typename":30,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":31,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7},"TextBlockModel",{"html":32},"\u003Ch1>Evaluate your options with Medicare Advantage plans\u003C\u002Fh1>\n\u003Cp>Not everyone wants the same things from their Medicare Advantage plan. For example, a Medicare Advantage Prescription Drug plan includes Medicare Part D prescription drug coverage, and a Medicare Advantage plan does not. Reliance Medicare offers a variety of plan types and coverage options to fit your needs.\u003C\u002Fp>\n\u003Cp>Reliance Medicare Helpline offers plans from Aetna, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Cigna, Devoted, Freedom Health, Healthy Blue, Humana, Optimum HealthCare, Simply, United Healthcare and WellPoint.\u003C\u002Fp>\n\u003Ch2>How do HMO and PPO differ?\u003C\u002Fh2>\n\u003Cp>We break down the differences between the two most frequently selected plan types.\u003C\u002Fp>\n\u003Ch3>HMO\u003C\u002Fh3>\n\u003Cp>\u003Cb>Health Maintenance Organization\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>These plans are typically less expensive than PPO plans. However, there are some additional requirements for care that allow these plans to cost less.\u003C\u002Fp>\n\u003Cp>Their coverage only extends to in-network doctors, hospitals, specialists, and clinics – with few exceptions. If you choose to get treatment from an out-of-network provider, you will be responsible for 100% of the cost. However, many plans have a large network, so check with a licensed sales agent to see if your preferred healthcare providers are in-network for the plan you're interested in. \u003C\u002Fp>\n\u003Cp>Most HMO plans require you to select a primary care physician. This doctor oversees your medical needs and refers you to specialists, if necessary. Some HMO plans require you to have a referral from your primary care physician before treatment from a specialist will be covered.\u003C\u002Fp>\n\u003Ch3>\u003Cb>PPO\u003C\u002Fb>\u003C\u002Fh3>\n\u003Cp>\u003Cb>Preferred Provider Organization\u003C\u002Fb>\u003C\u002Fp>\n\u003Cp>PPO plans typically cost more than HMOs but they come with more flexibility. Most PPO plans require you to pay a monthly premium and have a higher deductible for medical care. \u003C\u002Fp>\n\u003Cp>Unlike some HMOs, you generally are not required to select a primary care physician and you won’t need a referral for specialist visits.\u003C\u002Fp>\n\u003Cp>In most cases, you’ll be covered by both in-network and out-of-network doctors and hospitals. However, your out-of-pocket costs will be lower if you get care from in-network providers.\u003C\u002Fp>\n",{"typename":34,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":35,"accordions":7,"sideBarList":7,"hours":7,"heading":41,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":42,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7},"CategorySetModel",[36],{"imagePath":7,"link":37,"heading":38,"ctaLabel":39,"bodyCopy":40},"\u002Flearning-hub\u002Fenrollment\u002Fmake-an-educated-decision","Step 6: Make an educated decision","Next Step",{"html":7},"Congrats! You’ve learned how to evaluate your options with Medicare Advantage plans!",{"html":43},"\u003Ch4>Speak with a licensed Medicare sales agent\u003C\u002Fh4>\n\u003Cp>##phoneNumber## | (TTY: 711)  ##hoursOfOperation##\u003C\u002Fp>\n",{"typename":45,"complianceLinks":7,"navigationLinks":7,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":46,"hours":7,"heading":64,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":7,"bodyCopy":7,"imagePath":7,"alt":7,"images":7,"narrowCallOut":7,"lastPublishedDate":7,"copyright":7,"phoneNumber":7,"cmsId":7,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7},"SideBarSetModel",[47,50,53,56,59,62],{"heading":48,"target":11,"href":49},"Prepare for enrollment","\u002Flearning-hub\u002Fenrollment\u002Fprepare-for-enrollment",{"heading":51,"target":11,"href":52},"Review cost and coverage","\u002Flearning-hub\u002Fcost\u002Freview-cost-coverage",{"heading":54,"target":11,"href":55},"The importance of additional coverage","\u002Flearning-hub\u002Fcoverage\u002Funderstand-coverage-gaps",{"heading":57,"target":11,"href":58},"Explore Medicare Advantage","\u002Flearning-hub\u002Fmedicare-basics\u002Fexplore-medicare-advantage",{"heading":60,"target":11,"href":61},"Evaluate your options with Medicare Advantage plans","\u002Flearning-hub\u002Fplan-types\u002Fevaluate-your-options",{"heading":63,"target":11,"href":37},"Make an educated decision","Learning hub",{"typename":66,"complianceLinks":67,"navigationLinks":74,"contextualEntryItems":7,"testimonials":7,"highlights":7,"accordions":7,"sideBarList":7,"hours":7,"heading":7,"firstLevelHeading":7,"secondLevelHeading":7,"hoursOfOperation":7,"ttyNumber":7,"iconPath":85,"bodyCopy":7,"imagePath":95,"alt":17,"images":7,"narrowCallOut":96,"lastPublishedDate":99,"copyright":100,"phoneNumber":7,"cmsId":101,"button":7,"primaryButton":7,"secondaryButton":7,"alertBar":7},"FooterModel",[68,71],{"typename":7,"text":69,"href":70,"target":11},"Privacy Policy","\u002Fprivacy-policy",{"typename":7,"text":72,"href":73,"target":11},"Washington MHMD Notice","\u002Fwashington-mhmd-notice",[75,78,82,84],{"text":76,"target":11,"href":77,"parentText":7},"Find Plans","#find-plans",{"text":79,"target":80,"href":81,"parentText":7},"Shop by benefit","_blank","\u002F",{"text":83,"target":80,"href":15,"parentText":7},"About Reliance",{"text":10,"target":80,"href":12,"parentText":7},[86,89,92],{"alt":87,"imagePath":88},"Facebook","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002Ffacebook-2?fmt=png-alpha",{"alt":90,"imagePath":91},"Instagram","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FInstagram?fmt=png-alpha",{"alt":93,"imagePath":94},"Twitter","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FXTwitter?fmt=png-alpha","https:\u002F\u002Fassets.humana.com\u002Fis\u002Fimage\u002Fhumana\u002FRelianceBrand?fmt=png-alpha",{"firstLevelHeading":19,"secondLevelHeading":20,"hoursOfOperation":7,"ttyNumber":21,"iconPath":97},[98],{"alt":24,"imagePath":25},"2025-10-15","© Reliance Medicare Helpline 2026","MULTIPLAN_GHHMQ6FEN_2026_WEB_M",[103],{"disclaimerCopy":104,"dropdownTitle":106,"dropdownCopy":107},{"html":105},"\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Helpline is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency. No government affiliation.\u003Cbr>\n\u003Cbr>\nReliance Medicare Helpline represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent ##carriers## organizations which offer ##products## products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options.\u003Cbr>\n\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Helpline or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Helpline.\u003C\u002Fp>\n","Pre Zip Code",{"html":108},"\u003Cp>The spending allowance, Extra Debit, Chronic Condition Care Assistance, Music Therapy is a special program for members with specific health conditions. Qualifying conditions include diabetes mellitus, cardiovascular disorders, chronic and disabling mental health conditions, chronic lung disorders, or chronic heart failure, among others. Some plans require at least two conditions and other requirements apply. See the plan's Evidence of Coverage for details. If you use this program for rent or utilities, Housing and Urban Development (HUD) requires it to be reported as income if you seek assistance. Contact your local HUD office if you have questions.\u003C\u002Fp>\n\u003Cp>Innovative Financial Group is a licensed representative of Medicare Advantage organization and stand-alone PDP prescription drug plans. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. Reliance Medicare Helpline is owned and operated by Innovative Financial Group (IFG), a licensed insurance agency. No government affiliation.\u003Cbr>\n\u003Cbr>\nReliance Medicare Helpline represents Medicare Advantage HMO, PPO, PFFS, and PDP organizations that have a Medicare contract or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.\u003Cbr>\n\u003Cbr>\nWe do not offer every plan available in your area. Currently we represent 6 organizations which offer 3,398 products in your area for 2026. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program(SHIP) to get information on all of your options. These numbers reflect our national offerings. To locate a plan in your service area, please enter your zip code or call one of our licensed sales agents.\u003C\u002Fp>\n\u003Cp>\u003Cbr>\nIf you are turning 65, otherwise new to Medicare, losing benefits at work, moving, or have both Medicare and Medicaid you may be eligible. Other circumstances may qualify you as well.\u003Cbr>\n\u003Cbr>\nCosts, coverage, and benefits vary by location. These premiums and benefits may not be available on all Medicare Advantage plans. There may be no plan in your service area that includes all of these benefits.\u003Cbr>\n\u003Cbr>\nReliance Medicare Inc. and its subsidiaries comply with applicable Federal civil rights laws and do not discriminate or exclude people because of their race, color, religion, gender, gender identity, sex, sexual orientation, age, disability, national origin, military status, veteran status, genetic information, ancestry, ethnicity, marital status, language, health status, or need for health services. We also provide free language interpreter services. See our full accessibility rights information, non-discrimination disclosure, and language options.\u003C\u002Fp>\n\u003Cp>Reliance Standard Life Insurance Company and its affiliated brand, Reliance Matrix, are not affiliated, authorized, endorsed by, or in any way connected with Reliance Medicare Helpline or any of its subsidiaries or affiliates, and are not involved in the services, products, or operations offered by Reliance Medicare Helpline.\u003C\u002Fp>\n",{"type":7,"bodyCopy":110,"iconPath":7,"tooltipTile":7},{"html":111},"\u003Cp>Reliance Medicare Helpline is an insurance agency with no government affiliation\u003C\u002Fp>\n"]