You can generally join a Medicare Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), or Medicare Medical Savings Account (MSA) Plan if you meet all of the following conditions:
- You live in the service area of the plan you want to join. The plan can give you more information about its service area. If you live in another state for part of the year, check to see if the plan will cover you there.
- You have Medicare Part A and Part B.
- You don't have End-Stage Renal Disease (ESRD).