Medicare advantage HMO‘s plans typically have a smaller network than a PPO plan, but have lower cost and higher extra benefits. Remember when you are out of network on an HMO plan and you have an emergency, you were still charged as if you were in network that is the rule for all HMO plans from any insurance company. If you need help with your Medicare insurance choices book a free appointment at themedicarefamily.com. We licensed and all 50 states we can educate you help you enroll and help you