HMO Plans
A Medicare Advantage HMO plan is one type of Medicare Advantage (Part C) plan. Read on to see if it’s the right choice for you.
A Medicare Advantage plan conveniently merges all the benefits of Part A and Part B. Most plans also include prescription drug coverage (Part D).
When you pick a Health Maintenance Organization (HMO) plan, you elect to see doctors and facilities from a network list. You pick a primary care physician (PCP) for your regular exams and check-ups. Your PCP organizes your care and may refer you to specialists as needed.
You can see it now — a Medicare Advantage HMO is BOTH a Medicare Advantage plan and a Health Maintenance Organization. So, it combines the benefits of an Advantage plan with the management of an HMO.
If you’re eligible for Medicare, you can choose a Medicare Advantage HMO plan.
This option appeals to people who enjoy the convenience and predictability that comes with picking doctors and medical providers from a certain list.
HMO plans bundle your medical and prescription coverage into one plan where you’ll choose from a network of doctors and health care providers. Most plans include the following benefits:
- Preventative Services
- Prescription Drug Coverage
- Vision and/or Dental care
- Over-the-Counter Items
- Costs or copays for hearing aids
- Fitness program
All Medicare Advantage plans can help you save money on healthcare. With low or no monthly premiums, copays, and deductibles, HMO plans can help you stick to your budget without giving up coverage.
Exact costs vary. Depending on where you live, HMO plans may be available starting at $0 per month! Typically, HMO plans have $0 deductibles for medical costs and fixed, low copays — so you’ll consistently know what you’re going to pay.
Many people want to know the difference between Medicare Advantage HMOs and PPOs. With a PPO plan, you get a bit more flexibility because you can go to any doctor or specialist, in or out of the network, although you might pay more.
This type of plan may be right for you if:
- You don’t mind choosing from a list of doctors and facilities for your care.
- You like working with a PCP who coordinates your care.
- You’re ok with getting a referral from your PCP before you see a specialist.
- Your providers and facilities are participating in a certain network.
- You like knowing what your copays will be when you see your PCP or specialist.
Ready to get started? Contact Hale Health Benefits to find Medicare coverage in your area.
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