Key Takeaways
- HMO plans usually have lower premiums and copays.
- You typically choose a primary care physician.
- Care is generally limited to in-network providers.
A Health Maintenance Organization (HMO) is a type of Medicare Advantage plan that keeps costs low by coordinating your care within a defined network of doctors and hospitals. You usually pick a primary care physician who directs your care and provides referrals.
HMOs suit members who are comfortable using a local network in exchange for lower out-of-pocket costs.