One of Medicare Advantage’s most popular plans is the Health Maintenance Organization (HMO) plan, but is it right for you? Let Zero Bullshit Insurance cut through all the bull to get you the answers you need.
What Do HMO Plans Cover?
- Transportation for doctor visits
- Ambulance services
- Dental, vision, and hearing coverage
- Prescription drug coverage
- Fitness memberships
- Wellness programs
- And more!
If your particular HMO plan does not provide prescription coverage, you can enroll in a separate Medicare Part D plan.
How Do They Work?
When you sign up for an HMO plan, your coverage will be effective within a provider network. You will only be able to get coverage from providers who accept your specific policy. Just because a healthcare professional accepts Medicare does not mean they will accept your HMO policy.
You will need to choose a primary care physician, and you’ll need referrals when you need to see specialists. The primary care physician will coordinate the direction of your medical care.
What Should I Consider?
As is the case with other Medicare Advantage plans, HMOs come with restrictions. You won’t be able to have a Medicare Supplement in addition to your plan. You also cannot have an HMO plan alongside an employer group health plan. Doing so can cause you to lose employer coverage, and possibly no way to recover your group health plan.
Is An HMO Plan Right For You? Give Us A Call!
An HMO plan may or may not be the right choice for you, but at Zero Bullshit Insurance, we can help you figure that out for sure. We won’t try to sell you on anything you’re not interested in. We are only here to help you get the coverage that’s available to you. We take pride in our integrity and provide our clients with the resources they need.
To learn more about how we can help you find the right coverage, schedule an appointment with us today.
