Medicare HMO plans cover visits to primary care physicians, specialists and hospitals within the plan's network, excluding emergency situations. With help from Med Care Plans NY in Poughkeepsie, NY, you can understand the coverage options and take advantage of an affordable insurance plan.
Contact us now to learn more about the benefits of HMO plans.
You must be enrolled in both Medicare Part A and Part B before you can enroll in an HMO plan. You also have to live in the plan's service area. By enrolling in a Medicare HMO, you consent to receive services only in the plan's network, excluding emergencies. Some HMO plans have a POST (point of service) option where you can go out of the network for certain services, but it usually costs less if you go to a network provider. If you don't like the restriction of an HMO, you may want to choose a more flexible Medicare PPO plan. As long as you don't have end-stage renal failure, you can enroll in an HMO plan.
If you need prescription drugs, HMO plans often include Medicare Part D drug coverage. You should always make sure your medications are included in the plan before enrolling. You can find which drugs are included in the plan's drug formulary.