HMO Guide for Seniors - Office of the Patient Advocate - State of ...
HMO Guide for Seniors - Office of the Patient Advocate - State of ...
HMO Guide for Seniors - Office of the Patient Advocate - State of ...
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8<br />
Choosing a Medicare <strong>HMO</strong><br />
N<br />
ot all Medicare <strong>HMO</strong>s are <strong>the</strong> same. Be<strong>for</strong>e you<br />
choose one, be sure to compare both <strong>the</strong> benefits and <strong>the</strong><br />
costs. The plan with <strong>the</strong> lowest monthly premium can<br />
cost you more if it has high co-pays or does not cover<br />
<strong>the</strong> services you need. And find out what your friends<br />
and o<strong>the</strong>r people think about <strong>the</strong> <strong>HMO</strong>.<br />
“We wanted to<br />
stay with our<br />
doctor, so we<br />
asked her if she<br />
was in <strong>the</strong><br />
network <strong>of</strong> any<br />
Medicare<br />
<strong>HMO</strong>s.”<br />
Compare benefits. All Medicare <strong>HMO</strong>s cover <strong>the</strong> benefits<br />
in Parts A and B, which are listed on page 34. Some <strong>HMO</strong>s<br />
provide extra benefits that are not covered by Medicare.<br />
Most <strong>HMO</strong>s also provide Part D prescription drug coverage.<br />
Compare quality <strong>of</strong> care. All <strong>HMO</strong>s are regulated by <strong>the</strong><br />
<strong>State</strong> <strong>of</strong> Cali<strong>for</strong>nia. This means <strong>the</strong>y must meet basic standards<br />
<strong>of</strong> care. For help comparing Medicare <strong>HMO</strong>s and o<strong>the</strong>r<br />
Medicare Advantage plans in your area, call HICAP.<br />
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