Medicare Advantage HMO plans are offered by private insurance companies. Like other Health Maintenance Organization plans, you have a network of healthcare providers, doctors, and hospitals. You will most likely have to choose a primary care physician and this doctor will have to be the one who refers you to see a specialist.
Only in urgent and emergency situations are you able to receive coverage outside of the plan’s network unless you are paying out of pocket.
The benefit of having the network of healthcare providers is a lower monthly premium than most other Medicare insurance plans despite offering more benefits than Original Medicare.