Mine is Medicare advantage Humana PPO I did select a primary doctor but I do NOT have to go with him that is why I chose a PPO so I can go to any doctor or clinic (most accept Medicare Advantage) as opposed to a HMO where you HAVE to select and go your doctor and clinic (if he is in that HMO network) and get referals for a specialist Blah Blah Blah.. , I'm a Fulltimer as well and travel all over and have been to different clinics in different cities and all of them accepted my Humana PPO so a PPO was the only way to go for us even though it cost a Little more than a HMO AND... also I have a preexisting condition and nobody would want me before So YEAH I am happy with my PPO Humana
