These HMO subtype plans, such HMO-POS (point-of-service) plans, encourage using in-network providers to keep your costs low, but out-of-network services may be used at a higher out-of-pocket cost.

UnitedHealthcare sells several different types of Medicare Advantage plans. UnitedHealthcare Medicare has cheap HMO-POS plans, at $15 per month on average. That's $5 per month cheaper than the ...

They also include contact lenses. The PPO and HMO-POS plans have different coverage rules that depend on whether people use in-network or out-of-network providers. If someone with a PPO or HMO-POS ...