Best Medicare Advantage plan for seeing doctors outside a network in Ketchikan Gateway, Alaska

No PPO open to everyone is sold in Ketchikan Gateway this year. An HMO with a point-of-service option (HMO-POS) may pay for some care outside its network; check each plan's page.

Every Medicare plan sold in Ketchikan Gateway

Before you choose

• Check your doctors and hospitals. Most Medicare Advantage plans pay only, or mostly, for care in their own network. Ask the plan, or your doctor's office, before you join.
• Price your prescriptions. What your drugs cost can differ by hundreds of dollars a year between plans and outweigh any premium difference. Add them in our plan list to see your own costs.
• Read the plan's own documents. We take every figure from what the plan filed with Medicare, but its Evidence of Coverage is the final word on what it pays.
• Get free advice if you want it. Your State Health Insurance Assistance Program (SHIP) gives free, unbiased help choosing a plan.

How we picked

Among PPO plans, which pay for covered care from doctors outside their network, the one whose worst year costs least: twelve months of premiums plus its yearly limit on what you pay for in- and out-of-network care together. Where several tie, we look next at the highest star rating, then the largest Part B giveback, then the lowest premium, then the lowest out-of-pocket limit for in-network care, then the lowest copay to see a primary care doctor. Plans that still tie are listed by name.

We compare the 0 Medicare Advantage plans with drug coverage that anyone with Medicare in Ketchikan Gateway can join. Special needs plans and PACE, which are only for people who qualify, aren't included; you'll find them on the Ketchikan Gateway page. No plan pays to be picked.