Medicare Part D vs Prescription Drug Coverage: What You Need to Know HMO plans generally cost less each month but require you to use a set network of doctors and get referrals to see specialists. PPO plans cost more but let you see any provider, in or out of the network, without a referral. The right choice depends on whether you’d rather save money with a tighter network or pay a bit more for flexibility. Click now: https://www.californiamedicareagency.com/medicare-part-d-vs-prescription-drug-coverage-what-you-need-to-know/