Humana Gold Choice H2944-197 for Ottawa, KS

Humana Gold Choice H2944-197
Summary Rating:This Medicare drug plan has an average rating of 0.0
Part C Premium:
$24.00
Part D Deductible:$0.00
ICL:$0.00
Mail Order:No
Gap Coverage:
LIS:No
Formulary Drugs:3604
Plan ID:H2944-197
Plan Year:2014
Residents of:KS Residents
Plan Type:PFFS
Summary of Benefits:

Medicare Advantage Plan Summary & Benefits

Humana Gold Choice H2944-197, KS Medicare Advantage PlanHumana Gold Choice H2944-197 (H2944-197), Private Fee-for-Service Advantage Plan, Ottawa County, KS

Humana Gold Choice H2944-197 is a Private Fee-for-Service (PFFS) healthcare plan for seniors and other beneficiaries living in Ottawa County, KS. With a Medicare Advantage PFFS plan you can see almost any doctor you choose, as long as the provider accepts the plan's Terms and Conditions of Payment. Many Private Fee-for-Service plans combine all the benefits of Original Medicare, prescription drug coverage and many extras into one simple, easy-to-use plan. If that's what you want, be sure to read all of the details.

The Humana Gold Choice H2944-197 Private Fee-for-Service plan works differently than a Medicare Supplement plan. With a Medicare Advantage PFFS plan your doctor or hospital can continue to treat you if it agrees to accept the terms and conditions of payment. For the same reason, they can choose not to treat you (with the exception of emergencies).

The benefit information provided herein is a brief summary, not a comprehensive description of available benefits. Additional information about the plan benefits is available from your agent.

Summary of Benefits

When this page was published the Summary of Benefits document for this 2014 health plan was not available. Please Ask an Agent for the Summary of Benefits documentation before choosing this plan.

Monthly Premium

The monthly premium for this health insurance plan in Ottawa County is $24.00 plus your monthly Medicare Part B premium. Most Medicare beneficiaries pay the standard monthly Part B premium in addition to their MA or MAPD plan premium. However, some beneficiaries are required to pay slightly higher Part B and Medicare Part D premiums because of their income (over $85,000 per year for singles or $170,000 for married couples), or due to late enrollment penalties.

Part D Prescription Drug Plan Information

The Humana Gold Choice H2944-197 plan does not include prescription drug coverage.

Maximum Out of Pocket (MOOP) Benefit

The new healthcare law allows for a maximum limit of $6,700 on your out of pocket medical costs for 2014 Medicare Advantage plans. This amount is commonly called the plan MOOP (Maximum Out of Pocket). A plan's MOOP does not include your prescription drugs or the monthly premiums you pay for your health plan. Although the mandatory MOOP limit is $6,700, the Affordable Care Act law allows for a “Voluntary MOOP” that can be as low as $3,400. The MOOP on this plan is N/A .

Doctor Visits

Most Medicare health plans require you to make a co-payment (aka, copay) when you visit your primary care physician or a doctor. Here's how this plan works:

  • You may go to any physician that accepts the plan's terms and conditions of payment.
  • 20% of the cost for each visit to your primary care physician.
  • 20% of the cost for each visit to a specialist covered by Medicare.

Urgent Care Doctor Visits

Urgent care is the delivery of ambulatory medical care outside of a hospital emergency department on a walk-in basis without a scheduled appointment. Here's how Urgent Care works with this plan:

  • 20% of the cost for urgent care treatment covered by Medicare.

Emergency Care

Emergency care is medical attention for patients with acute illnesses or injuries which require immediate medical attention. Here's how Emergency Care works with this plan:

  • $65 co-payment for emergency room treatments covered by Medicare.
  • $25,000 plan coverage limit for supplemental emergency services outside the U.S. and its territories every year.

Ambulance Service

Most health plans do not cover transportation to and from medical services. The exception, of course, is when you have an emergency or when non-ambulatory. Here's how this plan covers ambulance service:

  • 20% of the cost for ambulance benefits covered by Medicare.

Inpatient Treatment (Hospital Stays)

A patient who is admitted to a hospital or clinic for treatment that requires at least one overnight stay is an inpatient. Most health plans have a tiered cost structure for inpatient treatment. Here's how this plan covers hospital stays:

  • You may go to any physician or hospital that accepts the plan's terms and conditions of payment. In emergencies you may go to any physician or hospital even those that do not participate with the plan.
  • There is no limit to the number of days covered by the plan per stay in the hospital.
  • For hospital stay covered by Medicares:
  • Days 1 - 5: $335 co-payment per day.
  • .
  • Days 6 - 90: $0 co-payment per day.
.
  • $0 co-payment for each additional non-Medicare-covered hospital day.
  • Diagnostic Services

    Diagnostic services include X-rays, diagnostic tests, lab services, and radiology services. Here's how this plan covers diagnostic services:

    • 0% to 20% of the cost for Medicare-covered lab services.
    • 0% to 20% of the cost for diagnostic procedures and tests covered by Medicare.
    • 20% of the cost for X-Rays covered by Medicare.
    • 20% of the cost for Medicare-covered diagnostic radiology services (not including X-rays).
    • 20% of the cost for therapeutic radiology treatments covered by Medicare.
    • 0% of the cost for Medicare-covered lab services.

    Preventive Services

    Medicare covers a wide range of preventive services, including cardiovascular screenings, alcohol misuse screening and counseling, depression screen, and diabedes screening, to name just a few. Here's how this plan covers preventive services:

    • $0 co-payment for all preventive services covered by traditional Medicare at zero cost sharing. All additional preventive services approved by Medicare mid-year will be paid by the plan or by Medicare.
    • 0% of the cost for a supplemental annual physical exam.
    • 0% of the cost for preventive treatment covered by Medicare.
    • 0% of the cost for a supplemental annual physical exam.

    Skilled Nursing Facility

    Medicare covers skilled nursing care in a skilled nursing facility (SNF) under certain conditions for a limited time (no long-term care). Here's how this plan covers SNF services:

    • The plan will cover up to 100 days per benefit period.
    • Prior inpatient treatment (hospital stay) is not required.
    • For SNF stays:
    • Days 1 - 20: $0 co-payment per day.
    • .
    • Days 21 - 100: $150 co-payment per day.
    .

    Mental Health

    Medicare covers both inpatient and outpatient mental health care services. Here's how this plan covers mental health

    Outpatient:

    • 20% of the cost for each individual therapy visit covered by Medicare
    • 20% of the cost for each group therapy visit covered by Medicare
    • 20% of the cost for each individual therapy visit with a psychiatrist covered by Medicare.
    • 20% of the cost for each Medicare-covered group therapy visit with a psychiatrist.
    • 20% of the cost for partial hospitalization program services covered by Medicare.

    Inpatient:

    • You are allowed a maximum of 190 days of inpatient (hospitalized) psychiatric care in a lifetime. Inpatient services are applied to the 190-day lifetime limitation only if certain conditions are met. This limitation does not apply to inpatient psychiatric care given in a general hospital.
    • For hospital stay covered by Medicares:
    • Days 1 - 5: $295 co-payment per day.
    • .
    • Days 6 - 90: $0 co-payment per day.
    .
  • The plan covers 60 lifetime reserve days. $0 co-payment per lifetime reserve day.
  • Dental

    In general, Original Medicare does not cover routine dental care. Currently, Medicare will pay for dental services that are an integral part either of a covered procedure (e.g., reconstruction of the jaw following accidental injury), or for extractions done in preparation for radiation treatment for neoplastic diseases involving the jaw. Here's how this plan covers dental care:

    • This plan covers some preventive dental benefits for an additional monthly fee.
    • 20% of the cost for dental benefits covered by Medicare.

    Vision

    In general, Original Medicare does not cover routine vision care. Currently, Medicare will pay for Glaucoma screenigs, eye prostheses, Astigmatism-Correcting Intraocular Lenses, and A conventional IOL is covered when implanted following cataract surgery. Here's how this plan covers vision services:

    • This plan covers some vision benefits for an extra cost (see "Optional Supplemental Benefits").
    • 0% to 20% of the cost for exams covered by Medicare to diagnose and treat diseases and conditions of the eye including an annual glaucoma screening for people at risk.
    • 20% of the cost for one pair of eyeglasses covered by Medicare (lenses and frames) or contact lenses after cataract surgery.

    Hearing

    Medicare doesn't cover routine hearing exams, hearing aids, or exams for fitting hearing aids. Medicare covers diagnostic hearing and balance exams if your doctor or other health care provider orders these tests to see if you need medical treatment. Here's how this plan covers hearing services:

    • In most cases, supplemental hearing exams and hearing aids are not covered.
    • 20% of the cost for diagnostic hearing exams covered by Medicare.

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    This page was last updated on: 10/28/2013

    More Information

    About The Insurer Humana Insurance Company

    Humana Inc., headquartered in Louisville, Kentucky, is a leading health care company that offers a wide range of insurance products and health and wellness services that incorporate an integrated approach to lifelong well-being. By leveraging the strengths of its core businesses, Humana believes it can better explore opportunities for existing and emerging adjacencies in health care that can further enhance wellness opportunities for the millions of people across the nation with whom the company has relationships.

    The summary (overall) rating for this plan is 0.0 out of 5 based on reviews from 506 user ratings from the previous year. For more information about the review process, visit http://cms.gov.