Medicare Advantage plans have boomed in the last decade. Not only have they taken a step further in providing extra benefits and services to its clients but also reducing the cost of the monthly premiums. The medicare advantage plans are provided by private health insurance companies. These private companies first have to be insured by medicare. Along with managing part A and B of the medicare they also provide part C of the Medicare plan as well. Humana is one of the biggest insurance companies in the United States, established in 1961. Along with providing one of the most beneficial plans, they are affordable and insures less out-of-pocket expenses as well. Humana Advantage plans offered in Sparks are discussed below.
- Humana Choice H5216-039 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The annual deductible for the plan is $1500, along with 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. It would cost you 50% coinsurance for referring a doctor out of your plan’s network. The plan also covers your prescription drugs, with a deductible of $400. The deductible is applicable to the preferred brand, 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 H5216-194 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has an annual deductible of $1500 and a maximum out of pocket expense of $6700. While visiting a primary health care provider, you have to pay a copay of $5, and for a specialist, a copay of $45 has to be paid. Along with this plan also provides prescription drug services, with a deductible of $365. The deductible is applicable to preferred brand, non-preferred drug, and specialty tier. For generic and brand name drugs you have to pay a coinsurance of 25%. The plan also covers your annual lab tests, radiology scans, outpatient surgery as well as rehabilitation services.
- Humana Honor (PPO)
With an overall rating of 4, the Humana honor plan has a monthly premium of $0. It is a preferred provider organisation plan, which lets you choose a healthcare provider of your choice. In this plan, you don’t even have to get a referral to see any special doctor. The plan has an annual deductible of $1000, and an out of pocket maximum of $6700. Under this plan, you also have to pay a $20 copay for visiting your primary doctor, and a 20% coinsurance for visiting a specialist. Humana Honor plan provides added services like dental coverage, oral exams, vision care, hearing services, and chiropractic 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.