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MEDICARE ADVANTAGE HMO PLANS
Health Maintenance Organization (HMO) plans provide healthcare services through a network of providers, often at lower costs compared to other Medicare Advantage options. To qualify for an HMO plan, you must already be enrolled in Original Medicare (Parts A and B).
HMO Medicare Advantage plans cover all the benefits of Original Medicare while also offering additional coverage, such as prescription drug coverage and other extra benefits.
Medicare Part C plans all use healthcare provider networks, but Health Maintenance Organization (HMO) plans are especially dependent on their network of providers. While HMO plans offer out-of-network care for emergencies, for routine care, you'll typically need to see your primary care physician first. They can refer you to a specialist when needed for more specific treatment.
This means that, outside of emergencies, you'll usually need to follow the network guidelines. However, many HMO members find this to be a fair trade-off because HMO plans are cost-effective, often with low or no monthly premiums.
If you're looking for an affordable healthcare plan with excellent benefits, an HMO Advantage plan could be the perfect fit for you.
How HMO Plans Are Structured
Comparing HMO to PPO
Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) plans are the two most widely used types of Medicare Advantage plans. When deciding between them, it’s important to consider how much flexibility and cost-effectiveness you desire in your healthcare plan.
PPO plans typically come with higher costs but provide a broader network of providers, allowing you to seek care without needing to select a primary care physician or obtain referrals. In contrast, HMO plans are generally more budget-friendly but require you to work within a more limited network and get referrals for specialist visits.
Both PPO and HMO plans can help you significantly reduce your out-of-pocket expenses, making either a viable option depending on your healthcare preferences and financial situation.
At Topflight Insurance Solutions, we are dedicated to helping our clients find the right Medicare plan to meet their needs. We’ll work with you to identify a plan that fits your budget and ensure you understand all of your options.
To learn more about Medicare Advantage plans, reach out to us through our website or by calling (470) 610-5710
Find The Right Medicare Advantage Plan For You
Frequently Asked Questions
New to Medicare?
What is Medicare and How Do I Qualify?
Medicare Advantage plans are offered by private insurance companies contracted through Medicare as an alternative to Original Medicare. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, if they are Medicare Advantage Prescription Drug Plans.These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, dental or vision coverage all for an affordable and sometimes $0 monthly plan premium.
What is Medicare Advantage (Part C)?
Medicare Advantage plans are offered by private insurance companies contracted through Medicare as an alternative to Original Medicare. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, if they are Medicare Advantage Prescription Drug Plans. These plans combine all of the benefits of Medicare Part A (hospital) and Part B (medical), and may also include prescription drug coverage, dental or vision coverage all for an affordable and sometimes $0 monthly plan premium.
What are Medicare Prescription Drug Plans (Part D)?
Medicare Part D plans add prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. A prescription drug plan may help you save money on existing prescriptions or on medication needs in the future.
Not affiliated with the United States government or federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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