Humana Gold Plus H1036-141, a Pasco 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 H1036-141 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.
After its first year on the market, the CMS (Centers for Medicare and Medicaid Services) gives each plan an overall one to five star rating. The unbiased quality assessment assists people when comparing plans. Medicare Advantage plans with five stars have the highest quality, whereas a one star plan has the lowest quality.
The CMS has awarded Humana Gold Plus H1036-141 Above Average as compared to all others (as of 15 October, 2014).out of 5 stars. That means Medicare deems this plan
Medicare Advantage plans are limited to a maximum out-of-pocket limit of $6,700 (annually). This out-of-pocket limit does not include your prescriptions or your monthly premiums. It only applies to your costs for healthcare services.
Although the mandatory limit is $6,700, the CMS allows plans to offer a lower limit that can be as low as $3,400. The out-of-pocket limit on this plan is $6,700. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.
If you are comparing Humana Gold Plus H1036-141 with your original Medicare benefits, it's important to remember that there are no limits to your out-of-pocket expenses with Medicare Part A or Medicare Part B. If you keep your original Medicare benefits, the only way to avoid high medical bills is to purchase Medicare Supplement insurance to supplement your coverage.
Make sure you get the best health insurance for your unique situation. Compare Humana Gold Plus H1036-141 with these Medicare plans:
Humana Gold Plus H1036-141 vs. Medigap Plan K
In addition to the plans above, we recommend evaluating Medicare Supplement Plan K. These plans have a $4,940 out of pocket limit (vs. $6,700 on Humana Gold Plus H1036-141). Plus, you have the freedom to choose your doctors and other healthcare providers. Have a look at Medigap Plan K vs. Medicare Advantage before you make any decisions.
Who Can Join?
You can join Humana Gold Plus H1036-141 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: Dade City, Crystal Springs, Lacoochee, Zephyrhills, Wesley Chapel, Saint Leo, San Antonio, Trilby, Spring Hill, Land O Lakes, New Port Richey, Hudson, Port Richey, Aripeka, Elfers, Holiday, and all other areas of Pasco County, Florida.
CMS File Date: October 15, 2014.
This Medicare Advantage Plan catalog is maintained by 9/14/2015. For more information, download the Summary of Benefits , visit the Humana Medical Plan, Inc. website, or call Humana Medical Plan, Inc. at N/A.and was last updated on