You Can Choose a Private Alternative to Original Medicare
When you’re exploring your Medicare options in Florida and Texas, you’ll find that you can choose a Medicare Advantage (Part C) plan as a private alternative to Parts A and B. These programs can provide healthcare services that Original Medicare doesn’t cover — and sometimes for a premium as low as $0.
With that in mind, all Advantage plans have certain rules that you must follow. There are different plans that have different restrictions. Two of the most popular types of Medicare Advantage plans are HMOs and PPOs. It’s important to understand how the costs and coverage differ among these two programs, so you can determine which is right for you.
What Are Medicare HMOs?
Medicare beneficiaries in Florida can access their services through health maintenance organizations (HMOs). The insurance company contracts with specific doctors and physicians in your area to create a network. When you join a Medicare HMO, you’re agreeing to get your care through the plan’s network unless it’s an emergency situation. If you use a provider that is out of network, you typically pay the full cost of services on your own.
A primary care physician (PCP) will coordinate your healthcare and refer you to specialists. If your current physician isn’t part of the plan’s network, consider switching to another doctor. Since you must use health services within a certain network, HMO plans might not be available in some regions.