HMO stands for Health Maintenance Organization. An HMO offers managed health care at a set rate of cost. The HMO becomes the individual's primary form of insurance.
Medigap policies act as a secondary policy to Medicare. Medigap policies are private pay and allow for self-referral to specialists as well as freedom of choice in medical care. Medicare remains the primary source of insurance.
As HICAP counselors we do not advise, endorse, or sell any form of insurance. We can provide you with information and options regarding HMO and Medigap choices. Medicare Website.
