Medicare Advantage plans are the extra beneficial plans which are provided by privately-owned organisations. These organisations, registered and licensed by Medicare, provides tons of plans differing from region to region. Along with covering the part A and part B of the medicare, these plans provide extra benefits to its customers, thus looking after their overall health. Humana Medicare Advantage plans offer health insurance in all 50 states and are one of the biggest and the most popular in the United States. Humana Medicare advantage plans offered in Tennessee are as discussed.
- Humana Honor (HMO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has no monthly deductible and a maximum out of pocket expense of $5900 for in-network providers. The plan also pays for your inpatient hospital stays including both acute as well as psychiatric hospitals. You have to pay a copay of $0 every time you visit your primary health care provider and a copay of $35 for a specialist. The plan covers annual lab tests as well as radiology tests like CT scans and MRI scans, with a payable coinsurance of 20%. The plan also covers home health care, preventive services, and skilled nursing facility as well. At a coinsurance of 20%, you can avail chiropractic services through this plan. However, this plan does not include fitness benefits or prescription drug coverage, and you have to enrol into a separate part D program to get your medicines covered.
- Humana Honor (Regional PPO)
With an overall rating of 3.2, the Humana honor plan has a monthly premium of $0. It is a regional preferred provider organisation plan, which lets you choose a healthcare provider of your choice. Since the plan is regional, you would have to choose one within your own region. The plan has an annual deductible of $500, and an out of pocket maximum of $3400. Under this plan, you also have to pay a $10 copay for visiting your primary doctor, and a copay of $30 for visiting a specialist. Humana Honour plan provides added services like dental coverage, oral exams, vision care, hearing services. You are also entitled to fitness, and over the counter benefits. However, the plan does not cover prescription drug services and you have to enrol in a Part D plan separately.
- Humana Gold Plus H4461-029 (HMO)
With an overall rating of 4.3, Humana Gold plus plan offers a monthly premium of $0. This Health Maintenance Organisation plan requires you to have a primary care provider, who would have the overall picture of your health at all given times. You can choose any doctor to be your primary care provider, provided he lies in the network of the plan. The plan does not have an annual deductible and an out of pocket expense of $6700. You have to pay a co-pay of $10 while visiting your primary provider and have to pay a $44 copay while visiting a specialist. It also provides prescription drug coverage, dental care, vision care, and over the counter benefits as well.
- Humana Value Plus H5216-180 (PPO)
With an overall rating of 4, Humana Choice plan offers a monthly premium of $25.70. This preferred provider organisation plan gives you the flexibility of seeing any doctor of your choice, without any network restrictions. This plan also does not require any referral to be signed beforehand. You need to pay a 20% coinsurance when you visit a primary doctor or a specialist. The plan provides prescription drug services at a deductible of $430. The deductible is applicable to generic, preferred brand, non-preferred drug, and specialty tier. The plan covers inpatient hospital stay at a $0 copay after day 5. Along with providing dental as well as vision services the plan also provides various fitness programs and skilled nursing facilities as well.
- Humana Choice H5216-097 (PPO)
With an overall rating of 4, the plan is available at a monthly premium of $75. This preferred provider organisation plan has no annual deduction and an out of pocket maximum of $6700. The plan covers inpatient hospital services, providing services for both acute diseases as well as psychiatric care. The plan covers your prescription drugs as well, with a deductible of $150. The deductible is applicable to preferred brand, non-preferred drug and specialty tier. The plan provides dental care, vision services, hearing services, over the counter benefits, fitness benefits as well as enrollment into the SilverSneakers program as well.
- Humana Choice R7315-002 (Regional PPO)
With an overall rating of 3.3, the plan is offered at a monthly premium of $99. With an annual deductible of $1000, the plan has a maximum out of pocket expense of $6700. This regional PPO plan gives you the flexibility of choosing any health care provider of your choice, at a copay of $20, and a specialist at a copay of $45. Along with covering in-hospital stay for an acute disease, the plan also covers psychiatric hospital stay at a $0 copay after the fifth day. The prescription drugs are also covered under this plan, with a deductible of $400. It is applicable to generic, preferred brand, non-preferred drug, and specialty tier as well. Extra benefits include vision care, hearing services, over the counter benefits, dental care, and fitness benefits as well.