What is HumanaChoice H5216-109?
HumanaChoice H5216-109 is a 2019 Medicare Advantage plan from Humana that's available in Adams County, Ohio.
- It is a Preferred Provider Organization (PPO) health plan.
- It includes a prescription drug plan (Part D).
- It has the same health insurance benefits as Original Medicare.
- It offers extras that Medicare does not cover.
- The maximum out-of-pocket cost with this plan is $5,500 .
- The monthly premium is $19.00 (plus your Part B premium).
HumanaChoice H5216-109 vs. Medicare
This PPO plan replaces your Original Medicare coverage. You agree to let Humana manage your Medicare benefits.
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.
HumanaChoice H5216-109 Review
These are the areas of the plan that are important to compare and review:
- Premium: This is the amount you will pay monthly, above and beyond your Medicare Part B.
- Maximum-Out-Of-Pocket (MOOP): This is the most you will pay for co-pays and co-insurance before the plan pays 100%.
- CMS Ratings: Important measurements across 9 different areas that will help you understand how well this plan will care for you.
- Prescription Coverage: Medications are expensive, so you'll want to know how this plan covers your prescriptions.
- Co-pays & Co-insurance: If you see the doctor regularly, including specialists, you need to know what you'll pay for each visit.
IMPORTANT: Unlike Original Medicare, your out-of-pocket expenses are capped with this plan. As a result, you won't be vulnerable to excessive medical bills due to an accident or a critical illness.
CRITICAL: HumanaChoice H5216-109 includes a Medicare drug plan with its own deductible and co-pays. If you have regular prescriptions, make sure your medications are covered at a favorable price before you join this plan. Prescription drug plans vary significantly by plan. Make sure you have the best coverage.
How Much Does HumanaChoice H5216-109 Cost?
The premium on this plan is $19.00 per month. That includes your prescription drugs, as well. Plus, you must continue to pay your monthly Medicare Part B premium. Co-payments and/or co-insurances also apply with most healthcare services, except preventive care mandated by CMS (see H5216-109 Summary of Benefits below).
Although the health plan itself does not have a deductible, the prescription drug plan does. It's $150.00 per year. That means you pay 100% of your prescription costs until you've spent $150.00, then the plan will begin paying it's share.
IMPORTANT: When evaluating this plan, look past the monthly premium. Identify the costs of the healthcare services you use most. Only then will you uncover the plan's value for your personal situation.
What is the Maximum Out-of-Pocket (MOOP) Limit?
Unlike Original Medicare, Medicare Advantage plans must set an annual Maximum Out-of-Pocket limit on inpatient and outpatient healthcare services. The HumanaChoice H5216-109 plan MOOP is $5,500 . Once you reach this amount of spending on your co-payments, all of your Medicare Part A and Part B services will be covered at no additional charge.
Plans can set their MOOP at a voluntary level of $0 to $3,400 (for in-network services) or a mandatory $3,401 to $6,700 (in-network). Combined totals for in-network and out-of-network are generally higher.
NOTE: MOOP does not include what you spend on monthly premiums. It also does not apply to your prescription drugs or Part D deductible.
CRITICAL: It is important to evaluate the combined annual MA/MAPD premiums and MOOP versus what you might expect to pay for a Medicare Supplement in Adams County. Some Medicare Supplements offer less overall financial risk than Medicare Advantage.
Medicare 5-Star Ratings
In this section we show you the quality rating for this Humana plan. Each year CMS rates health plans (Part C) in five broad categories and drug plans (Part D) in four broad categories. We do not recommend joining a plan with an overall rating less than 3.0. The following marks will give you an idea of the level of care you will receive if you join this health plan.
Does HumanaChoice H5216-109 include Medicare Part D?
This plan includes prescription drug coverage (Medicare Part D). If you have regular prescriptions, it's critical that you evaluate your costs using the plan's formulary.
In addition to the monthly premium and Part D deductible, the drug plan has copayments (fixed dollar amount) and/or coinsurances (percentage) that you must pay when you pickup your medications. Here's the drug coverage schedule for this plan:
|1 (Preferred Generic)||$2.00 copay||$10.00 copay|
|2 (Generic)||$8.00 copay||$20.00 copay|
|3 (Preferred Brand)||$47.00 copay||$47.00 copay|
|4 (Non-Preferred Drug)||$100.00 copay||$100.00 copay|
|5 (Specialty Tier)||30%||30%|
How Much are the Copays & Co-Insurance?
In this Summary of Benefits section we outline high-level information about the plan's co-payment and co-insurance costs for inpatient, outpatient, preventive care, transportation and other healthcare services.
HumanaChoice H5216-109 vs. Medigap
To compare HumanaChoice H5216-109 with a Medigap plan (Medicare supplemental insurance), you need to evaluate your healthcare and financial needs. Look at the total potential cost with each plan type, not just the monthly premium, and choose how you want to use medical care (locally or nationally).
To help you make a better decision, we created our How-to Choose the Best Medicare Plan guide (opens in a new tab). It will help you understand how to compare HumanaChoice H5216-109 with Medicare Supplement plans in Ohio. Medicare Plan F in Ohio is the most popular.
For more information about this plan, call their prospective members line, or visit their website:
For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about the Medicare Advantage program on www.medicare.gov or the Wikipedia page.
Medicare Part C Plan Availability
HumanaChoice H5216-109 is available to beneficiaries living in Bentonville, Manchester, Blue Creek, Cherry Fork, Lynx, Peebles, Seaman, Stout, West Union, Winchester, and all other areas of Adams County, Ohio; Medicare plans are the same throughout the County.
The Medicare Advantage plan data on MedicareWire comes directly from CMS.gov and is subject to change. CMS has neither reviewed nor endorsed the information on this site.
The health insurance benefit information provided on this page is a brief summary only, not a complete description. Limitations, co-payments, and restrictions may apply. For more information contact the plan directly at (800)833-2364 or (711)- for TTY users.
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HumanaChoice H5216-109 for Adams County, Ohio is a 2019 Medicare Advantage Plan (PPO H5216-109), with a $19.00/mo premium and $5,500 max out-of-pocket limit. Compare star ratings, benefits, premiums, co-pays, deductibles and prescription coverage with other Part C plans.
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This Medicare Advantage plan information is maintained by David Bynon and was last updated on .