Humana Gold Choice H8145-126, a Tyler County, Texas Medicare Advantage plan from Humana Insurance Company, is a Private Fee-for-Service (PFFS) option for people with 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 $15.00 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 original 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 H8145-126 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.
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 Choice H8145-126 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 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 H8145-126 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 Choice H8145-126 with these Medicare plans:
- Cigna-HealthSpring Advantage
- Cigna-HealthSpring Preferred
- HumanaChoice R5826-012
- HumanaChoice R5826-026
- Humana Gold Choice H8145-084
Humana Gold Choice H8145-126 vs. Medigap Plan K
You might also consider comparing Humana Gold Choice H8145-126 with Medigap Plan K. That's because the out-of-pocket limit on Plan K is only $4,940 (vs. N/A 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 Choice H8145-126 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: Chester, Colmesneil, Doucette, Woodville, Fred, Hillister, Spurger, Warren, and all other areas of Tyler County, Texas.
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 Insurance Company website, or call Humana Insurance Company at N/A.and was last updated on