What is Medicare?
Medicare is a Nation-wide social insurance program of theUnited States of America, run by theU.S.federal government since 1965. It provides access to health insurance to citizens aged 65 and above, people with disabilities and those with last stage renal diseases. It is aimed to protect everyone in society from illness by providing adequate financial security.
Medicare offers a range of plans with defined benefits to all the enrollers.
What is a HMO Plan?
HMO implies Health Maintenance Organization. A HMO plan offers healthcare services with the aid of a network of healthcare providers for supplying such services to the members.
Being a member of a HMO, one will be required to pick a PCP (Physical Care Physician) of their choice. The PCP is the personal doctor who provides all basic healthcare services, and his referral will be required before consulting any specialist.
Why HMO plans?
The HMO plans provide the widest coverage over preventive healthcare services as compared to any other plan. Also, it enables the members to have comparatively lower expenses, as no deductible will be charged before coverage commences and co-payments are also convenient. For those looking for a plan with low premiums, without a deductible, and requiring preventive services like periodic checkups and immunizations, a HMO plan is ideal. If one consults an out-of-network provider or gets healthcare services from another doctor without referral, full payment may have to be made.
Private HMO insurance plans in Delaware:
A number of HMO insurance plans are running in Delaware. One can choose according to their family needs, coverage required and suitable premium value. Some of these are Aetna Life Insurance, Cigna Health and Life Insurance ,Highmark BCBSD ,Optimum Choice, AmeriHealth HMO, Coventry Health Care of Delaware and Connecticut General Life Insurance (Cigna).