Aetna^® Medicare HMO Plans

What is a Medicare HMO plan?

A Health Maintenance Organization (HMO) plan requires you to receive medical treatment from specific hospitals and doctors within a certain network. HMO plans are required to provide you with Original Medicare benefits, just like any other Advantage plan. HMO plans are limited when it comes to out-of-network treatment, though that care is still available. In cases of emergency, you can visit an out-of-network doctor or hospital to take care of your health needs.

There are also Health Maintenance Organization Point-of-Service (HMO-POS) plans that give you more flexibility in choosing a doctor or hospital, as they allow out of network options in certain circumstances. Although rates usually go up for these HMO-POS plans, the convenience of having a more extensive network may be worth it for your situation. If you’re not sure how large of a health network you need, call one of our Licensed agents and they’ll walk you through the process.

Medicare Advantage: PPO, HMO, and DSNP plans

An Aetna Medicare HMO plan may be exactly what you’re looking for. If that’s the case, call to see if you’re eligible to enroll now! There is value in understanding all of your options, though, and Medicare Advantage has plenty of choices. Some HMO, DSNP, and PPO plans are available with a $0 monthly premium, and each plan has its own specific benefits.

	Aetna Medicare PPO	Aetna Medicare HMO	Aetna Medicare DNSP
Use of provider network required	No	*	No
Primary care physician required	No		No
Monthly premiums	Varies by plan	Varies by plan	Varies by plan
Prescription drug coverage included	in most plans	in most plans	**
Dental, vision, and hearing coverage	in most plans	in most plans	in most plans
Fitness benefit	through Silversneakers®	through Silversneakers®	through Silversneakers®
Medicaid enrollment required	No	No

*Use of provider network is required by an HMO plan unless there’s an emergency.
**DSNP is a special type of a Medicare Advantage Prescription Drug plan.