Health Maintenance Organizations
Medicare Health Maintenance Organization (HMO)
A Medicare Health Maintenance Organization (HMO) is a type of Medicare Advantage Plan that provides affordable healthcare while ensuring comprehensive coverage. This plan offers several key features:
- In-Network Providers: HMOs require you to choose healthcare providers within their network to manage your care efficiently.
- Lower Costs: Typically, HMOs are more cost-effective compared to other Medicare Advantage Plans.
- Additional Benefits: Many HMO plans include extra benefits like dental, vision, and over-the-counter allowances.
Coordinated Care through a Primary Care Physician (PCP)
With an HMO, your care is coordinated through a primary care physician (PCP). This includes obtaining referrals to visit specialists, ensuring streamlined healthcare management.
Medicare Part C Coverage
Medicare HMOs fall under Medicare Part C and are offered by private companies. These companies manage your Medicare benefits by combining:
- Medicare Part A (Hospital Coverage)
- Medicare Part B (Medical Coverage)
- Optional Medicare Part D (Prescription Drug Coverage)
By integrating these parts, HMO plans provide the same essential benefits as Original Medicare while offering added value through comprehensive and coordinated care.