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California Medicare HMO Plans |
HMO Medicare Advantage
Medicare has authorized these plans since 1985 and at one time was the only option other than Medicare Supplements available in California. HMO plans are not available in every county and are subject to benefit changes on an annual basis. Where they are available, there are virtually no health questions.
Some people incorrectly believe that their physician works for the HMO. The reality is the HMO is simply an insurance carrier who pays a medical group to provide you with health care. (The only exception to this is Kaiser as they are both the insurance company and the medical group). The large medical group your doctor joined either as an independent or employee likely works with many HMO plans.
The advantage of an HMO is that virtually all medical needs are provided initially by your choice of personal physician. It is that doctor who will refer you to specialists. By working in this manner, one doctor has the responsibility of coordinating your care. The drawback is you cannot always see the specialist of your choice.
Most HMO plans will include your prescription drug plan. They also can provide you with routine vision care and glasses, dental benefits, and even transportation. And many plans are available with no additional premium to what is already deducted from your social security for Medicare Part B.
Since benefits will change on an annual basis, please take the time to review your options. Since your doctor likely works with many plans, choose the one with the lowest cost for services and the broadest spectrum of benefits.
We can help you choose a great plan for your situation. Call on us anytime.