Humana Gold Choice H2944-197 Overview
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
To help seniors compare Medicare Advantage plans, Medicare rates the relative quality of all plans. After a full year on the market, each plan receives a one to five-star over-all mark, with one star being the lowest quality and five stars the highest 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
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 N/A. 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 traditional 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 traditional Medicare you must add supplemental Medicare insurance to cover the cost gaps.
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:
- HumanaChoice H1716-020
- HumanaChoice H1716-006
- HumanaChoice R5826-013
- HumanaChoice R5826-069
- Humana Gold Choice H2944-013
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 9/30/2014.and was last updated on