As with any contract, be sure that you are aware of the fine print. Each coverage plan will be a little different depending on the organization and the needs of the applicant. Use the following questions as talking points when inquiring about your specific coverage plan needs:
Here are some answers to frequently asked questions about HMO plans to help you consider if this health plan is right for you.
Can I receive care outside of the plan network?
Under an HMO plan, you must receive care from inside the network.
Do I need to choose a primary care physician (PCP)?
If you choose this type of health insurance plan, you will most likely be required to select a PCP when you sign up. If you need specialized care, you will need to visit your PCP and receive a referral to see a specialist.
Having a PCP is usually very important for many individuals and families. When you have a family doctor, they have the benefit of observing and monitoring conditions more frequently. As you establish a rapport with your PCP, the more time you can save.
These plans are also typically less expensive than plans that do not have you select a PCP. If you still need help paying for your Medicare coverage, you should ask a health agent about enrolling in a Medicare Supplement plan.