The most common Medicare Advantage plan type. HMOs keep premiums low by using a local network of doctors and hospitals. Here is how they work and who they fit.
An HMO (Health Maintenance Organization) Medicare Advantage plan covers your care through a set network of doctors and hospitals. You typically choose a primary care physician who helps coordinate your care, and you usually need a referral to see a specialist. Care outside the network is generally not covered except in an emergency.
In exchange for staying in network, HMOs often carry the lowest premiums, and most include prescription drug coverage and extras like dental or vision built in.
Premiums are often low, sometimes $0, with set copays for visits and services.
You use the plan's doctors and hospitals. Out-of-network care is usually not covered.
Many HMOs require a referral from your primary doctor to see a specialist.
HMOs are a strong fit if your preferred doctors are already in the plan's network, you do not travel often, and you want the lowest premium with predictable copays. If you want freedom to see any doctor or travel frequently, a PPO or a Medicare Supplement may suit you better. We will check that your doctors and medications are covered before you enroll.
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Cole Insure, LLC is a licensed independent insurance agency. This is a solicitation for insurance. We do not offer every plan available in your area. Currently we represent 10 or more organizations which offer 30 or more products in your area. Plan features, networks, premiums, and availability vary by carrier and by county and can change each year. Please contact Medicare.gov, 1-800-MEDICARE (TTY 1-877-486-2048) 24 hours a day, 7 days a week, or your State Health Insurance Assistance Program (SHIP) to get information on all of your options. Medicare has neither reviewed nor endorsed this information. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program. Details are current as of 2026 and subject to change.