Access HMO

Medicare Supplement,Medicare Advantage and Part D
Prescription Medication plans

We offer U.S. citizens over age 65, who are enrolled in original Medicare Parts A and B, a full selection of cost effective Medicare Supplement and Medicare Advantage plans with
Part D prescription drug coverage from the leading providers listed on our home page

Medicare Plans from AccessHMO AccessHMO is a long-standing Health Maintenance Organization located in Miami, Florida Find-a-Doctor is a unique and dedicated service, initiated to serve our rapidly growing clientele from North America and Europe, who made the bold and adventurous decision to relocate to Central America and the Ca...

What products and services does AccessHMO provide?
We provide global medical concierge membership services to our clients and their family members, at no additional cost.



Find-a-Doctor is a unique and dedicated service, initiated to serve our rapidly growing clientele from North America and Europe, who made the bold and adventurous decision to relocate to Central America and the Caribbean and desire to maintain the quality level of healthcare they expect and are accustomed to.



Since our members are of all ages and nationalities, each with different individual needs, we provide 3 different health insurance plan designs or types, based on our 3 most successfully proven solutions:

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For short term or seasonal foreign residents, with a trip durations abroad of less than 90 days, we recommend and provide a choice of U.S. or European based Travel Insurance plans, depending on nationality and destination to expedite healthcare needs that require follow-up treatment at a letter date, back in the home country when necessary.

For long term and permanent foreign residents, we analyze and compare local public healthcare and health insurance programs available in the chosen destination to determine if all individuals’ healthcare needs are covered and to what extent. In most cases, our clients decide on purchasing a private AccessHMO annually renewable, major medical, health insurance plan to supplement or replace lesser benefits and services offered locally. Optional medical evacuation protection, in the event that better medical treatment can be provided in North America or in Europe is also available.​

For U.S. citizens over age 65, we offer a selection of cost effective Medicare Supplements and Medicare Advantage plans with Part D prescription drug coverage.

FAQ Frequently Asked Questions about healthcare access, affordable health insurance and Medicare alternatives in Central America and the Caribbean, medical evacuation and coverage back home, including the U.S., Canada or Europe.

Find AccessHMO Doctors and Specialists throughout Central America and the Caribbean

With AccessHMO membership, you will have access to the largest HMO/PPO network of more than 12,000 participating primary care physicians and specialists in private clinics, affiliated with over 150 hospitals and health care facilities throughout Central America and the Caribbean.


AccessHMO offers additional medical evacuation with health insurance coverage for medical treatment and procedures in the U.S., Canada and Europe.

We supplement and coordinate with both Medicare and European public health insurance benefit plans,
to reduce healthcare and health insurance costs to maximize savings.

Find a Doctor in Central America and the Caribbean AccessHMO members get fast admission at over 150 Hospitals, including 12,000 English speaking primary care physicians and specialists in private clinics throughout the region and in the U.S. and Europe

Since 2008, The leadership of AccessHMO and it’s active members, together with American Citizens Abroad and other organizations have been lobbying members of congress to extend the Medicare program beyond the U.S. border, making it easier for Americans over age 65 to obtain the same quality of healthcare without the need to travel back to the more costly U.S. healthcare system, since local healthcare alternatives are usually preferred and less costly.


This effort has yielded results with recent legislation that is now pending action before the
U.S. House of Representatives and has given AccessHMO the long awaited opportunity to develop local provider relationships to serve Medicare beneficiaries residing in these countries:


- Canada 🇨🇦
- Dominican Republic 🇩🇴
- Germany 🇩🇪
- India 🇮🇳
- Israel 🇮🇱
- Mexico 🇲🇽
- Panama 🇵🇦
- Philippines 🇵🇭
- South Korea 🇰🇷

Medicare Abroad legislation

H.R.5299 - Earned Benefits Equality and Family Reunification Act 118th Congress (2023-2024)

Medicare Legislation AccessHMO is responding by expanding our Find a Doctor service with health insurance to Central America and the Caribbean

AccessHMO is accepted at over 150 Hospitals and Medical Clinics in Central America and the Caribbean.
Since 1989, AccessHMO’s leadership has developed longstanding relationships with the most reputable hospitals and their board certified surgeons, physicians and specialists

View our member hospitals by country:
Bahamas
Belize
Bermuda
Cayman Islands
Costa Rica
Dominican Republic
El Salvador
Guatemala
Honduras
Nicaragua
Panama
Virgin Islands

Local Hospitals AccessHMO is accepted at over 150 Hospitals and Medical Clinics in Central America and the Caribbean. Since 1989, AccessHMO’s leadership has developed longstanding relationships with the most reputable hospitals and their board certified surgeons, physicians and specialists. AccessHMO has develope...

We offer health insurance and Medicare solutions to U.S. and European citizens, residing in the U.S, Europe, Central America and the Carrinbean.​
Our visionary founders began their careers in New York and Florida in 1989 by offering individual and group health insurance.

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We have saved our clients millions of dollars, ever since, by offering high-deductible health insurance alternatives to combat ever-rising healthcare costs, while providing concierge access to the finest, board-certified physicians and all licensed hospitals worldwide.

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AccessHMO has enjoyed over three decades of privileged partnership with the highest rated pioneers in the travel, health and life insurance industries; Equitable, Travelers, First United American, and Guardian.

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In 1992, our leadership were promoted to Guardian’s executive committee where they paved the way for the transition to managed care by establishing the first privately managed, physician-based health maintenance organization in New York, in a partnership with the county medical society and the affiliated physicians and specialists of Mount Sinai Hospital.

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Our international roots go back to 2001, when our leadership was invited to Prague by the Czech Ministry of Health to find a solution to the needs of tens of thousands of foreigners or ‘Expats’, in need of access to hospitals and doctors, but were denied access to the national public health insurance system due to fears of adverse selection.

AccessHMO’s founder on ČTV

Top 4 Tips for Expats Choosing Effective Health Insurance - Health Insurance for Foreigners Abroad Joe panicked when he found out that the local immigration authorities appeared to be cracking down on the paperwork needed to renew his visa.  The person handling his application was told on a Tuesday morning that the usual laminated health insurance card was not enough, and a version with a ‘specia...