Call us
Talk to a licensed agent at
${dynamicPhone} (TTY: 711)
${hours}.
A health maintenance organization (HMO) gives you access to a network of doctors and hospitals that you must use in most cases. Some HMO plans require you to get a referral from a primary care physician for hospital care and specialist visits. There are typically limited out-of-network benefits with an HMO plan.
|
Our HMO plans |
Our HMO-POS plans |
Our PPO plans |
|
|---|---|---|---|
|
Requires you to use a provider network |
Yes, unless it’s an emergency |
Varies by plan. Seeing out-of-network providers generally costs more. |
No. But seeing out-of-network providers generally costs more. |
|
Requires you to have a primary care physician (PCP) |
Yes, in many plans |
Yes |
Usually no PCP required |
|
Requires referral to see a specialist |
Some plans |
Some plans |
No referral required |
|
Monthly premiums |
Varies by plan, check your ZIP code for details |
Varies by plan, check your ZIP code for details |
Varies by plan, check your ZIP code for details |
|
Medical deductible |
Varies by plan, check your ZIP code for details |
Varies by plan, check your ZIP code for details |
Varies by plan, check your ZIP code for details |
|
Limits what you pay out-of-pocket for medical care each year |
Yes |
Yes |
Yes |
|
Includes prescription drug (Rx) coverage |
Yes, in most plans |
Yes |
Yes, in most plans |
|
Includes Rx mail-order benefit |
Yes, if plan has Rx coverage |
Yes |
Yes, if plan has Rx coverage |
|
Dental, vision and hearing coverage |
Yes, in most plans |
Yes |
Yes, in many plans |
|
ER and urgent care coverage worldwide |
Yes |
Yes |
Yes |
|
Fitness benefit |
Yes, through SilverSneakers® |
Yes, through SilverSneakers® |
Yes, through SilverSneakers® |
|
Over-the-counter (OTC) benefit (get select OTC items at no charge) |
Yes, in many plans |
Yes |
Yes, in many plans |
|
Meals-at-home program |
Yes, in many plans |
Yes, in many plans |
Yes, in many plans |
|
Our HMO plans |
|
|---|---|
|
Requires you to use a provider network |
Yes, unless it’s an emergency |
|
Requires you to have a primary care physician (PCP) |
Yes, in many plans |
|
Requires referral to see a specialist |
Some plans |
|
Monthly premiums |
Varies by plan, check your ZIP code for details |
|
Medical deductible |
Varies by plan, check your ZIP code for details |
|
Limits what you pay out-of-pocket for medical care each year |
Yes |
|
Includes prescription drug (Rx) coverage |
Yes, in most plans |
|
Includes Rx mail-order benefit |
Yes, if plan has Rx coverage |
|
Dental, vision and hearing coverage |
Yes, in most plans |
|
ER and urgent care coverage worldwide |
Yes |
|
Fitness benefit |
Yes, through SilverSneakers® |
|
Over-the-counter (OTC) benefit (get select OTC items at no charge) |
Yes, in many plans |
|
Meals-at-home program |
Yes, in many plans |
|
Our HMO-POS plans |
|
|---|---|
|
Requires you to use a provider network |
Varies by plan. Seeing out-of-network providers generally costs more. |
|
Requires you to have a primary care physician (PCP) |
Yes |
|
Requires referral to see a specialist |
Some plans |
|
Monthly premiums |
Varies by plan, check your ZIP code for details |
|
Medical deductible |
Varies by plan, check your ZIP code for details |
|
Limits what you pay out-of-pocket for medical care each year |
Yes |
|
Includes prescription drug (Rx) coverage |
Yes |
|
Includes Rx mail-order benefit |
Yes |
|
Dental, vision and hearing coverage |
Yes |
|
ER and urgent care coverage worldwide |
Yes |
|
Fitness benefit |
Yes, through SilverSneakers® |
|
Over-the-counter (OTC) benefit (get select OTC items at no charge) |
Yes |
|
Meals-at-home program |
Yes, in many plans |
|
Our PPO plans |
|
|---|---|
|
Requires you to use a provider network |
No. But seeing out-of-network providers generally costs more. |
|
Requires you to have a primary care physician (PCP) |
Usually no PCP required |
|
Requires referral to see a specialist |
No referral required |
|
Monthly premiums |
Varies by plan, check your ZIP code for details |
|
Medical deductible |
Varies by plan, check your ZIP code for details |
|
Limits what you pay out-of-pocket for medical care each year |
Yes |
|
Includes prescription drug (Rx) coverage |
Yes, in most plans |
|
Includes Rx mail-order benefit |
Yes, if plan has Rx coverage |
|
Dental, vision and hearing coverage |
Yes, in many plans |
|
ER and urgent care coverage worldwide |
Yes |
|
Fitness benefit |
Yes, through SilverSneakers® |
|
Over-the-counter (OTC) benefit (get select OTC items at no charge) |
Yes, in many plans |
|
Meals-at-home program |
Yes, in many plans |
In addition to HMO plans, ${company} offers you other Medicare Advantage plan options — some with a $0 monthly plan premium. We can help you find a plan that’s right for you.
Get the benefits of coordinated care, plus more choice and flexibility. Our HMO-POS (or point-of-service) plans typically let you see providers out of network for certain services.
With our preferred provider organization (PPO) plans, you can visit providers, in or out of network, who accept Medicare and ${company}'s plan terms. The freedom is yours.
Our dual-eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage plan, available to people living in our service area who have both Medicare and Medicaid. We can help you find out if you qualify.
Talk to a licensed agent at
${dynamicPhone} (TTY: 711)
${hours}.
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