Guide to Selecting a Medicare HMO Plan in Huntington Beach California


Use Welch Insurance to find the Medicare Advantage Plan that meets your needs such as a PPO, HMO, or other Advantage Plan.

Guide to Selecting a Medicare HMO Plan in Huntington Beach California

Medicare HMO (Health Maintenance Plan) plans are a key part of covering your co-insurance and co-pay of Original Medicare Parts A and B. They also include necessary Part D drug coverage at no premium, plus some plans may give additional benefits such as dental, vision, Part B reduction, and more. If you are considering a Medicare HMO plan or changing your present plan this guide will help you to choose a Medicare HMO Plan that fits your needs.

Key Features of Medicare HMO Plans

  1. Provider Network Limitations: You must receive your care and services from network providers, except in emergencies or for out-of-area urgent care.
  2. Primary Care Coordination (PCP): It is mandatory to select a primary care doctor in HMO Plans. The PCP coordinates your health care and provides referrals to specialists. The PCP will determine what network you are in such as GNP (Greater Newport Physicians) or HOAG Medical Group.
  3. Prescription Drug Coverage: Most HMO plans include prescription drug coverage. Enrolling in a separate Medicare drug plan is not permitted if your HMO plan already includes this drug coverage.
  4. Additional Benefits: Depending on the plan, there may be dental, vision, over-the-counter items, deduction in Part B, and other additional benefits at no cost.
  5. Maximum Out-of-Pocket: There will be a Maximum Out-of-Pocket for medical expenses.
  6. You can compare and change Medicare Advantage Plans each year that are in your area between October 15th and December 7th.


When you are comparing Medicare HMO plans in your area you can use Welch Insurance Shop Medicare Plans. When choosing a HMO plan you should consider the following:

  • Primary Care Physician
  • Medical Group
  • Out-of-pocket costs
  • Additional benefits
  • Medication

You should consider using a local Medicare Agent. There is no cost for using an agent for Medicare Insurance Plans. If you want to speak to our Medicare Agent, Roy, call 714-377-3767 for a no-obligation private evaluation of your situation.

Medicare Education Events

Would you like to learn about Medicare and your options? We offer Medicare Education Events for Huntington Beach, Fountain Valley, Costa Mesa, and Westminster. To learn more, tap on the Medicare Education Event. This is not a sales event, it is a workshop, with dinner, to learn about Medicare and your options. We are sure this information will help.