Original Medicare provides the retired citizens of 65 years and older health care services. The medicare includes both the hospital insurance as well as medicare insurance. Medicare Advantage plans have a benefit over the Original Medicare plans because of the added advantages the plans provide. The medicare advantage plans are offered by private organisations, which are approved by Medicare. One such private organisation is Humana Medicare advantage insurance company, which is one of the biggest in the United States. Humana Medicare Advantage plans in Huntsville is discussed below.
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 H5619-094 (HMO)
With an overall rating of 4, this plan is offered at a monthly premium of $27. The plan has no annual deductible and a maximum out of pocket expense of $6700. For visiting your primary care provider you have to pay a $0 copay and a $40 copay for a specialist doctor. The plan also covers prescription drug services, with no deductible amount. For generic and brand name drugs you have to pay a coinsurance of 25%. Along with this it also provides vision services, dental services, over the counter benefits, fitness benefits, hearing services, as well as SilverSneakers program, also providing the skilled nursing facility at a $0 copay for the first twenty days.
Humana Choice H5216-214 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $34. The plan has no annual deductible and a maximum out of pocket expense of $6700. While visiting your primary doctor you have to pay a copay of $10 for an inside the network doctor, and a copay of $40 for a specialist. The plan also covers your prescription drugs, with a deductible of $150. The deductible is applicable to non preferred drug and specialty tier. For generic and brand name you have to pay a coinsurance of 25%. The plan also provides cardiac and pulmonary rehabilitation services, occupational therapy services, as well as speech therapy services. The plan also covers up to 100 days of Skilled Nursing Facility.
Humana Choice H7315-002 (Regional PPO)
With an overall rating of 3.4, 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.
Humana Gold Choice H8145-075 (PFFS)
With an overall rating of 3.4, the plan is offered at a monthly premium of $119. The plan has no annual deductible and an out of pocket maximum of $6700. While visiting your primary doctor you have to pay a copay of $15 and for a specialist, you have to pay a copay of $40. The plan includes prescription drug services as well with a deductible amount of $435. The deductible amount is applicable to preferred brand, non-preferred drug, and specialty tier. The plan also provides in-network home healthcare as well as preventive care at $0 copay. The plan also covers oral exams, prophylaxis, dental x-rays, and restorative services at 0% coinsurance. The plan also entitles you to SilverSneakers program, along with over the counter benefits and chiropractic care as well.
Humana Gold Plus SNP-DE H5619-093 (HMO D-SNP)
With an overall rating of 4 stars, this plan is offered at a monthly premium of $0. This gold plus plan is Special needs Plan which is specially added for people with particular chronic diseases. Not everybody is allowed to enrol in such plans. If you have a chronic disease like heart failure or end-stage renal disease, you can enrol in this plan. The special needs plan is specifically designed to cater to your needs depending on your particular situation. You have to pay a $0 copay while visiting your primary or specialty doctor. The plan also covers in-hospital stay and several chiropractic services as well. Along with covering the transportation costs, dental services, vision services, hearing services, over-the-counter benefits and fitness benefits are also covered in this plan. The plan also covers all of your prescription drug cost as well, provided you use the in-network pharmacies. The plan also provides preventive and home health care services at $0 copay.