Most Medicare Advantage plans are HMOs, which require referrals to see specialists, but NOT all. We are in a Medicare Advantage plan in Northern Virginia, which is not an HMO, and does not require referrals, and worked great through a serious illness that required seeing a number of specialists and having several surgeries.
I have a Humana Advantage Medicare plan, and it works well. But mine is a PPO. I don't need referrals, and chose my already existing PCP, whom I like very much. I had a major health issue last year with 2 weeks in the hospital, and it all worked well. I personally wouldn't use an HMO if there are other options. YMMV
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Most Medicare Advantage plans are HMOs, which require referrals to see specialists, but NOT all. We are in a Medicare Advantage plan in Northern Virginia, which is not an HMO, and does not require referrals, and worked great through a serious illness that required seeing a number of specialists and having several surgeries.
Post: Five Money Moves
Link to comment from January 19, 2022
I have a Humana Advantage Medicare plan, and it works well. But mine is a PPO. I don't need referrals, and chose my already existing PCP, whom I like very much. I had a major health issue last year with 2 weeks in the hospital, and it all worked well. I personally wouldn't use an HMO if there are other options. YMMV
Post: Medicare and Me
Link to comment from October 16, 2021