A Medicare Advantage HMO or Health Maintenance Organization offers their members no or very low cost health care. Often the Medicare Advantage HMO has $0 premiums (that’s right a free plan!).You do however need to continue to pay your Part B premiums through social security (that always applies for both Medicare Advantage Plans & Medicare Supplemental Insurance). Medicare Advantage HMO’s also have very low copays to see the doctors, specialists, ER, urgent care centers, and hospitals.Medicare Advantage HMO’s often do not provide any coverage outside of the HMO’s network unless it is an emergency and may require referrals to see a specialist.
A Medicare Advantage Plan differs from a supplement or Medigap plan in that it becomes your primary and only health plan. Original Medicare and the red, white, and blue card will not need to be used. Most often Medicare Advantage HMO plans also include prescriptions drug coverage as well. So a Medicare Part D Prescriptions (PDP) plan will not need to be purchased separately. Medicare Supplemental Insurance or MediGap insurance does not include Medicare Part D prescription drug coverage.
Medicare Advantage HMO often include dental, vision, and even hearing insurance at no additional cost! Medicare Advantage HMO’s are not offered everywhere. So call today and see if it is available in your area.
Call a licensed agent now!! 866-396-9140