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.

What Is Medicare Advantage?

A Medicare Advantage plan conveniently merges all the benefits of Part A and Part B. Most plans also include prescription drug coverage (Part D).

Health Maintenance Organization (HMO) Overview

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. 

What Is a Medicare Advantage HMO?

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. 

Who Can Enroll in a Medicare Advantage 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.  

What Do HMO Plans Cover?

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
How Much Does an HMO Plan Cost?

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.

Other Medicare Advantage Plans: PPOs

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. 

Is a Medicare Advantage HMO Plan Right for You?

This type of plan may be right for you if: 

Ready to get started? Contact Hale Health Benefits to find Medicare coverage in your area. 

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