There are several factors to take into account when choosing whether an HMO plan is the right option for you and your family. Some key things to consider are:
With an HMO plan, your out-of-pocket medical costs and monthly premiums will generally be lower than with other types of plans. If you are someone who doesn’t see a lot of specialists or would like having your care coordinated through a PCP, then you might save more money with an HMO plan.
Find out more about Humana’s HMO plans - click Quote now to see price and coverage details for plans in your area.
When you apply for an HMO plan, you’ll select a Primary Care Physician who will be the first point of contact for your healthcare. You are encouraged to build a strong relationship with your PCP because they will connect you to specialists or other health care providers. Your PCP will be able to see the total picture of your overall health. Together you can make the best decisions to manage your health and well-being, which includes your PCP making referrals to specialists.
To find a PCP in your area, visit Humana’s easy-to-use Finder Tool.
If you have a standing relationship with a doctor or specialist outside of your network, or would prefer more flexibility when choosing your care providers, you might consider a Preferred Provider Organization (PPO) plan instead. PPO plans often feature a higher monthly premium and out-of-pocket medical costs but will allow you the freedom to choose doctors and specialists that are in- or out-of-network without a referral from a PCP.
If you are eligible for Medicare and looking for an HMO, find out more about the Humana Gold Plus (HMO) plan.
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