Do I need a PCP for insurance?

You will likely be required to choose a primary care physician when you sign up for your insurance. This is an important decision, so carefully consider your options. Many Medicare recipients choose HMOs for their health insurance. In fact, 62% of Medicare Advantage recipients have HMO plans.

What is the difference between PPO and PCP?

A PCP can serve as a home base for care. They get to know you and your health needs and can coordinate care with other specialists when needed. PPO plans do not require you to choose a PCP, but it’s recommended. Referrals to specialists are also not required.

In which plan PCP is mandatory?

HMO plans
The HMO plans on the other hand require for an insured person to have a PCP. REFERRAL – For an insured person to receive specialist care in cases other than emergency, the HMO plans require the insured person to produce a referral letter from the PCP.