Networks include doctors, hospitals, physical therapists, laboratories, home care agencies, pharmacies, chiropractors and podiatrists. The steps required by an HMO when a doctor sends a patient to a specialist. For example, a physician refers a patient with heart problems to a cardiologist in the network. Care Plans Doctors Visits Part B covers doctors visits and pays 80 percent of charges. Medicare HMOs cover costs of doctor visits except small Copayment with each visit and no annual deductible .
Hospital stay covered in full for authorized admission with no deductible .
Choice of Providers Choose any physician, provider or hospital participating in Medicare. Members must use the doctors, providers and hospitals the HMO network in order to have services covered. Specialist Visits Beneficiaries go directly to a specialist without referral from a doctor. Most HMOs require primay care physician to make referral to specialist participating in HMO network. Prescriptions Part A does not cover prescription drugs.