HMO Plans have relatively strict network coverage. Before enrolling in an HMO Plan, check the network and make sure you’re satisfied with the coverage provided. HMO Plans are a great way to gain access to medical professionals, but be sure you’re comfortable with the network allowances.
Just like PPO Plans, most HMO options offer prescription drug coverage. Remember, if enrolled in Medicare Advantage, you cannot enroll in Part D to get medication coverage.
Primary care doctor
Most HMO Plans require their beneficiaries to choose a primary care doctor. They can help write referrals, which are needed within HMO Plans.