Humana Gold Plus H1036-074 Manatee County, FL Medicare Advantage Plan

Humana Gold Plus H1036-074 Medicare Advantage Plan for Manatee County, Florida seniors on Medicare.Humana Gold Plus H1036-074, a Manatee County, Florida Medicare Advantage plan from Humana Medical Plan, Inc., is a Health Maintenance Organization (HMO) option for people with Medicare. It gives you all of the same health insurance benefits as original Medicare and offers extras that Medicare does not cover.

The insurance premium is $0.00 per month. You also have co-payments and/or co-insurances with each healthcare service that you use. You can learn more about the basic coverage costs on the co-payments page.

The real benefit of an HMO plan like Humana Gold Plus H1036-074 is lower, predictable out-of-pocket expenses. Although more restrictive than original Medicare, a Medicare Advantage HMO plan limits your annual out-of-pocket costs. With Medicare Parts A and B, there's no cap, leaving you vulnerable to excessive medical bills.

With an HMO you are required to use healthcare providers in the plan's network. If you don't you will incur additional costs. Also, be aware that your primary care physician must make refer you before you see a specialist.

Quality Rating

The Centers for Medicare and Medicaid Services (CMS) reviews and rates the quality of all plans. The 1 (worst) to 5 (best) star ratings assist people considering plans and offer an unbiased measure of quality.

The CMS has awarded Humana Gold Plus H1036-074 4.0 out of 5 stars. That means Medicare deems this plan Above Average as compared to all others (as of 15 October, 2014).

Out-of-Pocket Expenses

One of the benefits built in to all Medicare Advantage plans is an annual out-of-pocket limit. The maximum is $6,700, but plans are allowed to offer a voluntary limit as low as $3,400 per year.

The most you will pay out-of-pocket if you enroll in this plan is $5,000. This amount is what you actually pay for your healthcare services. It does not include your monthly premium or your prescriptions. It's only the costs you pay out-of-pocket on co-payments and co-insurances.

It's important to do your homework and compare the co-payments and co-insurance with this plan to those of original Medicare. Also, be aware that Medicare Part A and Part B do not limit your out-of-pocket costs like Medicare Advantage. If you stay in original Medicare you must add supplemental Medicare insurance to cover the cost gaps.

Compare Plans

Your healthcare needs are as unique as you are, so shop around. We recommend comparing Humana Gold Plus H1036-074 with:

Humana Gold Plus H1036-074 vs. Medigap Plan K

You might also consider comparing Humana Gold Plus H1036-074 with Medigap Plan K. That's because the out-of-pocket limit on Plan K is only $4,940 (vs. $5,000 on this plan) and you can see any doctor you choose. Read Medigap Plan K vs. Medicare Advantage to learn more.

Who Can Join?

You can join Humana Gold Plus H1036-074 if you are entitled to Medicare Part A and enrolled in Medicare Part B and live in the service area. You must continue to pay your Medicare Part B premium. The service area includes: Bradenton, Cortez, Anna Maria, Bradenton Beach, Holmes Beach, Parrish, Palmetto, Ellenton, Longboat Key, Sarasota, Terra Ceia, Myakka City, Oneco, Tallevast, and all other areas of Manatee County, Florida.

CMS File Date: October 15, 2014.

This Medicare Advantage Plan catalog is maintained by David Bynon and was last updated on 9/14/2015. For more information, download the Summary of Benefits Humana Gold Plus H1036-074 Medicare Advantage Plan H1036-074 Summary of Benefits for Manatee County, Florida, visit the Humana Medical Plan, Inc. website, or call Humana Medical Plan, Inc. at N/A.