I signed up for a Medicare Advantage HMO, and I’m wondering if I can see a cardiologist out of network without paying everything myself.
Answered by 3 licensed agents
Using an HMO plan typically means you would want to stay within the network in order to keep your costs as low as possible. If you see a doctor outside of the network, you could end up paying the full cost for that care. There could be some exceptions if this was an emergent care issue while out of network. Be careful seeing an out of network doctor on an elective basis.
Some HMO plans are Point of Service (POS). A POS plan may allow you go out of network for some things. If it is a POS plan, you can probably count on paying a higher price if you choose an out of network provider, however.
Call your plan provider and double check before having the services provided. It's really the only way to know for certain what you're facing. Wish you best!
Answered by Bill Filer on March 28, 2025
Agent Licensed in MO, GA, KS & TN
Answered by Leslie Helene Sussman on March 31, 2025
Broker Licensed in NJ, DE, FL & PA
Answered by Shelly Hefley on March 29, 2025
Broker Licensed in IN, AL, IL, KY & TN
Tags: Medicare Advantage
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