Medicare Advantage HMO Plan Advantages and Disadvantages

Advantages
  • Added preventive care services and eye-glasses on some plans.
  • Usually offers discounts on prescription drugs, dentists, chiropractors, and hearing aids.
  • No “Lifetime Reserve” limit on hospital days in most cases.
  • No bills or claim processing.
Disadvantages
  • You must see your Primary Care Physician (PCP) first, except for out-of-area emergencies and urgent care.
  • No benefits are paid for out-of-network medical services.
  • You must use specialists referred by PCP.
  • You are required to pay small co-payments for medical services.
  • Not available in all areas.

First Choice Health Insurance, Inc.


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