What is the typical structure of fees in Medicare HMOs?

The typical structure of fees in Medicare HMOs involves monthly premiums combined with annual deductibles. In this model, beneficiaries usually pay a set monthly amount for their Medicare HMO coverage, which provides access to a network of healthcare providers and services. The annual deductible then determines the out-of-pocket costs that members must pay before the plan begins to cover expenses. This structure encourages preventive care while also managing expenses for participants since it outlines clear annual costs associated with accessing healthcare services.

In contrast, some other payment structures, such as high premiums with low deductibles or options where services are covered fully, do not accurately reflect the common design of Medicare HMO plans, which typically require some level of member cost-sharing through deductibles. Additionally, an arrangement where individuals only pay when receiving care does not align with the regular payment practice of HMOs, which typically involves a monthly premium regardless of care usage. Thus, the option indicating monthly premiums along with annual deductibles best captures the essence of a Medicare HMO's fee structure.