Humana Gold Plus H1036-199 Palm Beach County, FL Medicare Advantage Plan

Humana Gold Plus H1036-199 Medicare Advantage Plan for Palm Beach County, Florida seniors on Medicare.Humana Gold Plus H1036-199, a Palm Beach 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 H1036-199 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 H1036-199 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 $6,700. 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

Be a smart shopper. Compare Humana Gold Plus H1036-199 with these plans:

Humana Gold Plus H1036-199 vs. Medigap Plan K

If you're looking at Humana Gold Plus H1036-199 because of it premium, we suggest looking a Medigap Plan K, as well. The out-of-pocket limit on Plan K is $4,940 vs. $6,700 on this plan. You also have complete freedom to see the physician you choose. Visit Medigap Plan K vs. Medicare Advantage to see other important differences.

Who Can Join?

You can join Humana Gold Plus H1036-199 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: West Palm Beach, North Palm Beach, Palm Beach Gardens, Royal Palm Beach, Wellington, Boynton Beach, Boca Raton, Belle Glade, Canal Point, Delray Beach, Lake Worth, Greenacres, Jupiter, Lake Harbor, Loxahatchee, Pahokee, Palm Beach, South Bay, and all other areas of Palm Beach 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 H1036-199 Medicare Advantage Plan H1036-199 Summary of Benefits for Palm Beach County, Florida, visit the Humana Medical Plan, Inc. website, or call Humana Medical Plan, Inc. at N/A.