Health Maintenance Organization Plans
Health Maintenance Organization (HMO) Plans allow for network coverage. They are similar to PPO Plans, but have less versatility and will most likely not cover care from out of network providers. Many HMO Plans suggest you have a primary care provider. Point-of-service plans are available, which may allow for some out of network coverage, but that is rare.
HMO Plans are close to PPO Plans, but some differences are worth noting. Most HMO Plans will require referrals for certain doctors and services, which PPO Plans less commonly require.
To enroll in a Medicare HMO Plan, you’ll need to be receiving Parts A and B. Premiums can vary depending on the specific HMO and what you’re already paying for Medicare. However, HMO Plans are typically one of the cheaper options available.