Medicare HMO Plans - 50 States - 1,852 Counties

A Medicare HMO Plan is an Affordable Alternative to Medigap Insurance

It was becoming a difficult task for Mr. Carl Adams to decide whether to choose a Medigap policy or a Medicare HMO plan. Several offers were coming his way from various insurers. However, Mr. Adams was not sure which one would be more appropriate for him.

Unable to resolve the issue by himself, Carl started surfing the net in search of information. His search for information came to an end when he came across our Medicare Insurance site. This is the web site you are on now! A complete database on information on Medicare HMO plans is available at the site.

An HMO or Health Maintenance Organization provides managed care. HMOs have contracted with the federal government via the Medigap Advantage program, formerly called the Medigap+choice. The HMOs provide health benefits to persons eligible for Medigap who enroll in their Medicare HMO plan. The client will then receive benefits and care through the HMO instead of the traditional fee for service Medicare program.

Advantages of Medicare HMO plans are that the premiums are normally lower than a Medigap insurance plan. Moreover, the HMO works as the facilitator between the provider and the client which spares the patient the trouble of searching for physicians themselves.

Many seniors face similar predicaments in choosing between a Medigap HMO plan and a Medigap insurance policy.

When you enroll in a Medigap HMO plan, it will be illegal for a provider to sell you an additional Medigap plan under the existing laws. If you already have an HMO, you may keep the Medigap plan for stipulated period till you decide whether you wish to continue with the Medigap HMO.

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