Description: The following materials want to convey the information about the advantages of medicare of Humana Pharmacy login, the passage focuses on the question about what the Medicare Advantage HMO plan is and some analyses about the payments and service related to it.
Today’s question: What is a Medicare Advantage HMO plan?
Medicare Advantage plans, also known as Medicare Part C, are managed care plans that combine Original Medicare Parts A and B with additional benefits like prescription drug, dental and vision coverage, all in one simple package.
One type of managed care plan is an HMO, where you designate a primary care physician, your PCP, from a list of network providers. Your PCP coordinates and your care refer you to specialists or hospitals when necessary.
HMOs help you manage your budget. Plans typically include affordable copays and may offer more predictable costs than other types of plans, so you’ll have a good idea of how much you’ll spend on healthcare during the year.
And most HMOs pay providers directly, which means you don’t have to file a claim for reimbursement of medical services.
Generally, you’re required to use doctors, specialists, hospitals and other medical service providers in your plan’s network. You may see a non-network provider or receive non-network services if the visit is approved by your primary care physician and your plan first.
However, you may pay a larger share of the costs. If you need urgent or emergency care, you can go to the closest emergency room. If your current PCP is not in the HMO network, it might be worth changing your doctor to take advantage of the HMO plan’s benefits.
Shopping for a Medicare plan? Now that you know how a Medicare Advantage HMO plan works, talk to a licensed Humana sales agent to find coverage that’s right for you.