Humana Gold Plus H6622-054 (HMO)

A Medicare Advantage HMO gives you all your Medicare benefits through one plan, usually with a $0 or low monthly premium. You pick a primary care doctor who coordinates your care. Referrals are required to see specialists. You must use doctors in the plan's network except in emergencies. These plans tend to have the lowest premiums and copays of any Medicare Advantage option.

An HMO is a good fit if you live near network providers and don't need a lot of flexibility in who you see. Because the plan routes care through your primary doctor, it works well for people who want coordinated care and are okay trading some choice for lower costs. If you're willing to call your primary care doctor before seeing a specialist, an HMO typically rewards you with lower out-of-pocket costs throughout the year.

Before enrolling, check whether your current doctors and preferred hospitals are in the plan's network. In Utah, many HMO plans are anchored to either Intermountain Health or University of Utah Health — but not both. That matters if you've been seeing doctors at both systems. In Ohio and Pennsylvania, network boundaries vary significantly by carrier and county.

Compare the plan's maximum out-of-pocket limit alongside the premium. A $0 monthly premium with a $7,550 annual out-of-pocket cap is a different financial risk than a $45/month plan with a $3,400 cap. Think about how much care you typically use each year before deciding which structure makes more sense for you.