Health Maintenance Organization (HMO) plans are one of the more popular choices chosen when it comes to Medicare Advantage plans. These plans are offered by private insurance companies and will provide you with the same coverage as provided by Original Medicare. Before you are able to join a HMO plan, you have to be enrolled in Original Medicare first.
These plans may also offer additional benefits that can include dental, vision, and hearing coverage. However, keep in mind that the extra benefits you receive will ultimately depend on the HMO plan that is available to you.
These plans will also provide prescription drug coverage in most cases, but keep in mind that if you do not join an HMO plan with prescription drug coverage, you will not be able to join a separate Part D prescription drug plan.
A: HMO plans will generally require their plan members to use their in-network providers. In most cases, you’ll also be asked to choose a primary care doctor and get a referral to see a specialist. You can receive care outside of the network if:
- You need emergency care
- You need urgent care that’s out-of-area
- You need dialysis that’s out-of-area
When compared to Preferred Provider Organization (PPO) plans, HMO plans will not be as flexible in where you can receive your health care, but they will cost less. To ensure you are choosing the right Medicare Advantage plan for your needs, we will help you compare these options!
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