Understanding 2027 Medicare Advantage HMO plans
With Aetna Medicare Advantage HMO plans, you choose an in-network primary care provider (PCP). Your PCP works with you to help you get the right care at the right time so you can achieve your best health.
How do 2027 Aetna Medicare Advantage HMO plans work?
A health maintenance organization (HMO) gives you access to a network of doctors and hospitals. With an HMO plan, you must choose a PCP from the plan’s network. Your plan may also require you to get a referral from your PCP for hospital care and specialist visits. There are limited out-of-network benefits with an HMO plan.
Comparing 2027 Aetna Medicare Advantage plans
Plan details | Our Medicare Advantage HMO plans | Our Medicare Advantage HMO-POS plans | Our Medicare Advantage PPO plans |
|---|---|---|---|
| Yes | Yes | Yes |
| Yes, unless it’s an emergency | Varies by plan | No. But seeing out-of-network providers generally costs more |
| Yes | Varies by plan | Varies by plan |
| Varies by plan | Varies by plan | Varies by plan |
| Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details |
| Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details | Varies by plan, check your ZIP code for details |
| Yes | Yes | Yes |
Includes prescription drug coverage
|
Varies by plan
| Varies by plan | Varies by plan |
| Includes prescription mail-order benefit |
Yes, if plan has prescription coverage
| Yes, if plan has prescription coverage | Yes, if plan has prescription coverage |
| Dental, vision and hearing coverage |
Yes
| Yes | Yes |
| ER and urgent care coverage worldwide |
Yes, except for Institutional Special Needs Plans (I-SNP)
| Yes | Yes, except for Institutional Special Needs Plans (I-SNP) |
Fitness benefit |
Yes, through SilverSneakers® except for Institutional Special Needs Plans (I-SNP)
| Yes, through SilverSneakers® | Yes, through SilverSneakers® except for Institutional Special Needs Plans (I-SNP) |
| Varies by plan | Varies by plan | Varies by plan |
| Varies by plan | Varies by plan | Varies by plan |
Is an HMO plan right for me?
An HMO plan may be right for you if you want care that is simple to use and may cost less. You’ll need to use doctors in the plan’s network. And you may need to ask your primary care provider (PCP) before you see a specialist.
An HMO plan may be a good fit if you:
Want costs that may be lower or easier to plan for
Like having a PCP help guide your care
Can use doctors and hospitals in the plan’s network
Usually get care close to where you live
Find Medicare Advantage plans for every need
Aetna® Medicare offers you other Medicare Advantage plan options with monthly plan premiums as low as $0. We can help you find a plan that’s right for you.
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Disclaimers
The Aetna C-SNP is available to Medicare members who have at least one of the qualifying chronic conditions. To ensure a successful enrollment process, we’ll confirm with your healthcare provider that you have one of these eligible conditions. If verification of eligible condition is not received, involuntary disenrollment will occur.
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