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.
Peter Abilla is a licensed Utah Medicare agent. He can walk you through this plan's costs, coverage, and whether your doctors are in-network.