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Medicare Advantage HMO Plan
Lower-cost network style plan that usually requires in-network care and may require referrals.
Talk to a Licensed Agent: (302) 407-0876A Medicare Advantage HMO (Health Maintenance Organization) plan is a lower-cost network style plan that usually requires in-network care and may require referrals. It's one of the most common Medicare Advantage plan structures, and it tends to fit people who are comfortable using a local network of doctors in exchange for more predictable costs.
See if an HMO Plan Is Available in Your Area
Speak with a licensed insurance agent at no cost or obligation
Call (302) 407-0876How an HMO Plan Works
With an HMO plan, you typically choose a primary care doctor from the plan's network. That doctor coordinates your care and, for most HMO plans, provides referrals when you need to see a specialist. Care received outside the plan's network usually isn't covered except in an emergency.
Why People Choose HMO Plans
HMO plans often come with lower monthly premiums and lower out-of-pocket costs than plans with broader network access. The trade-off is less flexibility — if keeping a wide choice of providers matters more to you than cost, it's worth comparing an HMO against a PPO plan.
Who an HMO Plan Might Fit
An HMO plan often fits people who are comfortable staying within a defined network, who want a more coordinated care experience with a primary care doctor managing referrals, and who want to keep monthly costs and copays as predictable as possible.