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Medicare Advantage HMO (Health Maintenance Organization) plans are another health insurance option available to Medicare beneficiaries. Like Medicare Advantage PPO plans, HMO plans are offered by private insurance companies approved by Medicare. However, HMO plans have some distinct features:
HMO plans typically require choosing a primary care physician (PCP) from within their network. Your PCP serves as your main point of contact for healthcare and coordinates your care. In most cases, you need a referral from your PCP to see specialists or receive specialized services.
HMO plans emphasize using providers within their established network. Besides emergencies or urgent care, HMO plans may not cover or provide limited coverage for services received from out-of-network providers. This helps control costs and ensures coordinated care within the network.
Many HMO plans include prescription drug coverage as part of the plan. This can provide convenient access to a range of prescription medications.
HMO plans may offer additional benefits beyond what Original Medicare provides. These benefits can include coverage for dental care, vision care, hearing care, wellness programs, and other services.
HMO plans may have a monthly premium in addition to the Medicare Part B premium. The amount can vary depending on the plan and the insurance company.
HMO plans also typically have lower out-of-pocket costs than other Medicare Advantage plans.
Contact the Medicare experts with Delta Medicare Benefits Group to learn more about your HMO plan options! We will help you review your healthcare needs to determine if an HMO plan is the right choice.
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