Medicare HMO Plan

A Health Maintenance Organization plan, or HMO plan for short, is a type of Medicare Advantage plan that is offered as an option to Medicare beneficiaries with both Medicare Part A and Part B. Just like all other Medicare Advantage plans, HMO plans provide the same level of benefits, rights and protections as what Medicare beneficiaries receive with their Part A and Part B, plus additional benefits like dental, vision and hearing.

Medicare HMO

medicare hmo

Requirements to Get An HMO Plan

Like all other Medicare Advantage plans, you must have Medicare Part A and Part B to enroll. Once that is established, you must also have a qualifying enrollment period to enroll in the HMO plan.

There may be HMO plans with a $0 premium in your area, but also expect to see some plans with premiums as well. In addition to the premium options, the HMO plan may also provide you with additional benefits like dental, vision, and hearing benefits.

The HMO plan may also feature a prescription drug plan at no additional cost. Be sure to verify that the plan gives you prescription coverage at no cost because there are some plans that do not have prescription coverage. Depending on your situation and current level of coverage, prescription drug coverage may be an important benefit to have, especially at no additional cost.

What It Entails

HMO plans has a network of doctors, “in-network” that you must see to receive your medical services. If you visit a doctor outside of this network of doctors, “out-of-network” you will be responsible for 100% of the cost to see that out-of-network doctor. There may be cases in which you can request an exception when the service you need is medically necessary, but you must make a request to the HMO plan before you see the out-of-network doctor or receive the service out-of-network.

HMO plans are also known for their requirement that a patient’s primary care doctor must procure a referral before the patient can see a specialist.

The availability of Medicare HMO plans depends on the county that which you live. Depending on your area, there may be many plans available or little to no plans available.

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    Electronic Scope of Appointment

    Senior Healthcare Advisors offers Medicare Advantage plans, Supplement Insurance plans, and Stand-Alone Prescription Drug plan options.
    Agreeing to this does not affect your current or future Medicare enrollment status, nor will it obligate you to enroll or automatically enroll you in a plan. This scope of appointment is effective as of: and grants permission to discuss the above plan types, You may revoke consent to contact or scope of appointment at any time.

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    Your information will be provided to a licensed insurance agent for future contact. You may be contacted by a licensed insurance agent. Providing your number(000.000.0000) and clicking “yes” is your electronic signature authorizing Senior Healthcare Advisors and its affiliates, agents, representatives, and service providers (collectively, “Senior Healthcare Advisors”) to send you marketing telephone calls, pre-recorded calls, text messages, and emails at the number and email address you provided using an ATDS or automated system for the selection or dialing of telephone numbers. Your consent is not required as a condition of purchase. Not all plans offer all these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Currently, we represent(6) organizations that offer (81,602) products across [3,081] counties. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP)to get information on all of your options. You also confirm that you are the subscriber to, or the customary user of, the telephone number and e-mail address you provided. You may unsubscribe at any time. Senior Healthcare Advisors, LLC, a licensed health insurance agency that sells Medicare products and operates as Senior Healthcare Advisors, owns Senior Healthcare, Advisors, LLC a non-government organization. Please note that Senior Healthcare Advisors is not affiliated with or connected with Medicare or any other government program or agency. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special election or enrollment period or you are in your Medicare Initial Election Period. General Benefits: Not all plans offer all of these benefits; benefits may vary by carrier and location. Limitations and exclusions may apply.