HumanaChoice H4520-006 Overview
HumanaChoice H4520-006 for Webb County, Texas, by Humana Insurance Company, is a Preferred Provider Organization (PPO) Medicare Advantage plan for seniors on Medicare. PPO health insurance allows you to choose your own primary care doctor, specialists and other healthcare providers. If you're on a budget you can lower your out-of-pocket costs by using the plan's provider network.
The monthly premium on this PPO plan is $66.00. Plus, co-payments and/or co-insurances also apply to most of the healthcare services you use. However, unlike traditional Medicare your out-of-pocket expenses are capped. As a result, you won't be vulnerable to excessive medical bills due to an accident or a critical illness.
HumanaChoice H4520-006 Quality Rating
The Centers for Medicare and Medicaid Services (CMS) reviews and rates the quality of all Medicare Advantage plans. The 1 (worst) to 5 (best) star ratings assist people considering plans and offer an unbiased measure of quality.
The CMS has awarded HumanaChoice H4520-006 Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
HumanaChoice H4520-006 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 $6,600. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.
If you are comparing HumanaChoice H4520-006 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 HumanaChoice H4520-006 with these Medicare Advantage plans:
HumanaChoice H4520-006 is available in the following Texas cities: Laredo, Bruni, Mirando City, Oilton, and all other areas of Webb County.
CMS File Date: January 14, 2014.
This Medicare health insurance catalog is maintained by 10/26/2014.and was last updated on