By working with a select team of doctors and hospitals, HMOs are able to keep costs low. When you join an HMO plan, you will choose a doctor from our network to coordinate your care. There is no limit on covered office visits, so you can see your doctor as often as you choose. If you wish to change your doctor, also called your Primary Care Physician (PCP), you may do so at any time. Your PCP is your health advocate - he or she will send you to specialists or hospitals when you need additional care.
Please note that, with an HMO plan, you must use providers in the network. You will be responsible for any fees or services provided by doctors or hospitals out of the network. Providers in the network can change at any time.
When you join an HMO, you're still enrolled in the Medicare program and entitled to all medically necessary healthcare services that are Medicare-approved. However, as an HMO member, you will enjoy deductibles, copays, and coinsurance amounts that may be substantially lower than those under Original Medicare.