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. Each plan is designed to suit the needs are requirements of individuals. 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 Alabama are as discussed.
- Humana Gold Plus H5619-088 (HMO)
With an overall rating of 4, Humana Gold plus plan is offered at a monthly premium of $0. The Gold Plus plan is a health maintenance organisation plan which requires you to select a primary health care physician. This healthcare provider would be your primary doctor, who would have an overall picture of your health. He would be the one you will have to take referrals from. The Gold Plus plan has no annual deductible, and an out of pocket maximum of $6300. For visiting a doctor in your network you have to pay a copay of $0. The plan also covers inpatient hospital stay, at a $0 copay after the seventh day. Along with this, the prescription drugs are also covered in the plan with absolutely no deductible. They provide coverage for all five tiers of prescription drugs. For generic and brand name drugs you have to pay a maximum copay of $3.60 and $8.95, respectively. The plan also covers your transportation charges which reduce the out of pocket expense.
- Humana Honor (Regional PPO)
With an overall rating of 4.2, 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. 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 Choice H5216-214 (PPO)
With an overall rating of 4, this plan is offered by Humana at a monthly premium of $21. With a $750 annual deductible, in as well as out of the network, it also limits your out of pocket expense at $6700. While visiting a primary doctor in this preferred provider organisation plan you need to pay a copay of $5. Prescription drugs are also covered in these plans, and you have to pay a deductible of $150, which is applicable to non-preferred drug and specialty tier. Along with providing various fitness program benefits, the plan also entitles you to the entry into the SilverSneakers program. With this, you have the benefit of working out at more than 14000 fitness centres all around the nation. The dental, and vision care services are also a part of the package. Outpatient rehabilitation services are provided at a mere amount of $5. The plan also covers the Skilled Nursing Facility at $0 copay for the first twenty days.
- Humana Choice R7315-002 (Regional PPO)
With an overall rating of 4.3, 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. 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 4.2, the plan is offered at a monthly premium of $119. This Private fee for service plan enables you to visit any doctor, provided that he agrees to the PFFS terms and conditions of payment. With a $15 copay for a visit to your primary doctor, the plan offers no in-network annual deductible. The plan covers prescription drugs and has a deductible of $435. This is applicable for preferred brand, non-preferred drug, and specialty tier. For any emergency ambulance or air ambulance services, you would have to pay just 20% coinsurance. CT scans, MRI scans, or diagnostic procedures are also covered under this PFFS plan.
- 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 20% coinsurance when you visit your primary 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.