Humana Gold Choice H2944-197 for Ottawa County, Kansas, by Humana Insurance Company, is a Private Fee-for-Service (PFFS) Medicare Advantage plan for seniors on Medicare. With PFFS health insurance you can use any physician or specialist you like, so long as they agree to the plan's payment terms.The insurance premium is $24.00 per month. It also has co-payments and or co-insurances that you must pay when you use various healthcare services. You can see a breakdown of these costs on the co-payments page.
Some PFFS plans bring together all of the benefits of traditional Medicare, prescription drug coverage and other extras into one plan that's typically a lot less expensive than adding a Medicare Supplement and a prescription drug plan to your basic benefits. If this is what you're looking for, make sure you read all of the details.
The Humana Gold Choice H2944-197 Private Fee-for-Service plan may sound like Medicare Supplement insurance, but it's not the same. The biggest difference is that your healthcare providers can continue to treat you so long as they accept the terms and conditions of payment. They can also choose not to treat you, unless it's an emergency, if they don't accept the payment terms. Check with your providers first before you enroll.
Humana Gold Choice H2944-197 Quality Rating
After its first year on the market, the CMS (Centers for Medicare and Medicaid Services) gives each Medicare Advantage 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.
Humana Gold Choice H2944-197 is a new plan. It has not yet been rated by the CMS. That is is why the star rating is displayed as out of 5 stars (as of 15 October, 2013).
Humana Gold Choice H2944-197 Out-of-Pocket Expenses
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 N/A. 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 Choice H2944-197 with your traditional 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 traditional Medicare benefits, the only way to avoid high medical bills is to purchase Medicare Supplement insurance to supplement your coverage.
Compare Medicare Health Insurance Plans
Make sure you get the best health insurance for your unique situation. Compare Humana Gold Choice H2944-197 with these Medicare Advantage plans:
Humana Gold Choice H2944-197 is available in the following Kansas cities: Bennington, Delphos, Minneapolis, Tescott, and all other areas of Ottawa County.
CMS File Date: January 14, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on