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Medicare Advantage
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Louisiana
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Cameron Parish
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Humana Gold Plus H1951-049

Humana Gold Plus H1951-049 Cameron Parish, LA — 2021 Medicare Advantage Plan

This page provides HMO health plan information about Humana Gold Plus H1951-049, a 2021 Medicare Advantage plan available to beneficiaries in Cameron Parish, Louisiana. If you join this plan you agree to allow Humana to provide your Medicare health benefits.
If you need assistance, call us at 1-855-266-4865
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This page contains editorial content that is not endorsed or approved by Humana[2]. This is not a solicitation of insurance.

Contact the Plan
Medicare Rating:
☆☆☆☆☆
CMS Plan ID:H1951-049
CMS Plan Year:2021
Premium:$0.00/mo
Premium Valid:Until 2021-12-31
Drug Plan:Yes
Rx Deductible:$0.00/year
Online Pharmacy:No
Rx Gap Coverage:No
Availability:Cameron County, LA
Policy Valid:2021-1-1 to 2021-12-31
Insured By:Humana

Humana Gold Plus H1951-049
2021 Copays in Cameron Parish, LA

Healthcare ServiceMember Cost
Primary Care Doctor:$5 co-pay
Mental Health Specialist (individual):$40 co-pay
Mental Health Specialist (group):$40 co-pay
Chiropractic Services as a supplemental benefit:None
Occupational Therapy Specialist:$20 co-pay
Podiatrist Services (Medicare Covered):None
Telehealth Services:$0-40 co-pay
Emergency Room Care:$90 co-pay
(waived if admitted within 24 days)
Urgent Care:$5-40 co-pay
Ambulance Services:$265 co-pay
Hospital Inpatient Stay:$225 per day for days 1 through 9
$0 per day for days 10 through 90
$0 per day for days 91 and beyond
Outpatient Lab Services:$0-40 co-pay
Outpatient Diag Services:$0-50 co-pay
Routine Eye Exams:Covered
(limited coverage, no additional premium)
Eye Glasses:Upgrades: Yes
Contact lenses: Yes
Eyeglasses (lenses & frames): No
Eyeglass lenses: No
Eyeglass frames: No
Limits Apply
No additional premium
Hearing Exams:Routine Exams: Yes
(limits and co-pay/insurance apply)
Aid Eval/Fitting: Yes
(limits and co-pay/insurance apply)
Hearing Aids:Over the ear: Yes
Outer ear: No
Inner ear: No
(limits and co-pay/insurance apply)

Humana Gold Plus H1951-049
Prescription Copays in Cameron Parish, LA

TierPreferredStandard
1 (Preferred Generic)$6.00 copay$10.00 copay
2 (Generic)$9.00 copay$20.00 copay
3 (Preferred Brand)$47.00 copay$47.00 copay
4 (Non-Preferred Drug)$99.00 copay$100.00 copay
5 (Specialty Tier)33%33%
In addition to the monthly premium and Part D deductible, Humana Gold Plus H1951-049 has copayments (fixed dollar amount) and/or coinsurances (percentage) that you must pay when you pickup your medications. The table above shows you those costs.

Humana Gold Plus H1951-049
CMS 5-Star Review Ratings

CMS MeasureStar Rating
2021 Overall Rating☆☆☆☆☆
Staying Healthy: Screenings, Tests, Vaccines☆☆☆☆☆
Managing Chronic (Long Term) Conditions☆☆☆☆☆
Member Experience with Health Plan☆☆☆☆☆
Complaints and Changes in Plans Performance☆☆☆☆☆
Health Plan Customer Service☆☆☆☆☆
Drug Plan Customer Service☆☆☆☆☆
Complaints and Changes in the Drug Plan☆☆☆☆☆
Member Experience with the Drug Plan☆☆☆☆☆
Drug Safety and Accuracy of Drug Pricing☆☆☆☆☆
People commonly ask, "Is Humana Gold Plus H1951-049 any good?" In this table we show you the quality ratings. 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.

Humana Gold Plus H1951-049 2021 Medicare Advantage HMO Plan for Cameron Parish, LA

Humana Gold Plus H1951-049 is a Medicare Advantage plan, from Humana, that's available to beneficiaries living in Cameron Parish, Louisiana.

  1. It's a Health Maintenance Organization (HMO) health plan.
  2. It includes a prescription drug plan.
  3. It has the same health insurance benefits as Original Medicare.
  4. It offers extras that Original Medicare does not cover.
  5. The maximum out-of-pocket cost with this plan is $6,700 .
  6. The monthly premium is $0.00 (plus your Part B premium).

Humana Gold Plus H1951-049 vs. Original Medicare in Cameron Parish, LA

This HMO plan replaces your Part A and Part B Medicare coverage with a managed care health plan in Cameron Parish, Louisiana. If you enroll in Humana Gold Plus H1951-049 you agree to let Humana manage your Medicare benefits, including:

  1. Medicare Part A (hospital insurance).
  2. Medicare Part B (medical insurance).
  3. Medicare Part D (prescription drug coverage).
  4. Additional benefits included in the plan not covered by Medicare.
  5. Emergency medical coverage when you travel outside of your county (USA and it's territories only).

The benefit of an HMO plan, like Humana Gold Plus H1951-049, is predictable out-of-pocket expenses. Although more restrictive than Original Medicare, HMOs limit your annual out-of-pocket costs. With traditional Medicare there's no cap, leaving you vulnerable to excessive medical bills.

Humana Gold Plus H1951-049 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: With an HMO you are required to use healthcare providers in the plan's network. If you don't you will incur additional costs. Also, be aware that your primary care physician must refer you before you can see a specialist.

CRITICAL: Humana Gold Plus H1951-049 includes a Medicare Drug Plan which has its own deductible and co-pays. If you have regular prescriptions, make sure they 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.

Monthly Premium

Humana Gold Plus H1951-049's monthly premium in Cameron Parish is $0.00. That includes your prescription coverage, 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 H1951-049 Summary of Benefits).

Although the health plan itself does not have a deductible, the prescription drug plan does. It's $0.00 per year. That means you have first dollar coverage.

IMPORTANT: When evaluating Humana Gold Plus H1951-049, 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.

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 Humana Gold Plus H1951-049 plan MOOP is $6,700 . 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 Cameron Parish. Some Medicare Supplements offer less overall financial risk than Medicare Advantage.

Contact Humana

For more information about this plan, and other plans on this site, call 1-855-266-4865. You may also contact the plan:

Prospective Members:(800)833-2364
TTY Users:(711)-
Plan Website:http://www.humana.com/medicare
Formulay Information:Humana Formulary Page
Pharmacy Information:Humana Pharmacy Page

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. To learn more about this plan, visit the Humana Medicare website.

Compare Plan Options

The average Louisiana senior compares three or more plan options before making an enrollment decision.

Additional Medicare Plan Options in Cameron Parish

Are you eligible for a Cameron Parish, LA Medicare Special Needs Plan (SNP)? SNPs are a special type of Medicare Advantage plan designed to help people with special needs. Here are some of the SNP plans in your area:

  • Vantage DUAL PLUS (Local HMO), for Dual-Eligible beneficiaries
  • Humana Gold Plus SNP-DE H1951-041 (Local HMO), for Dual-Eligible beneficiaries
  • WellCare Pinnacle (Local HMO), for Dual-Eligible beneficiaries
  • WellCare Freedom (Local HMO), for Dual-Eligible beneficiaries
  • Peoples Health Secure Complete (Local HMO), for Dual-Eligible beneficiaries

Not qualified for an SNP? Here are some additional plans you might consider:

  • Peoples Health Choices (PPO)
  • HumanaChoice H5216-064 (PPO)
  • Humana Honor (PPO)
  • Vantage BASIC (HMO-POS)
  • Blue Advantage (HMO)

RELATED: Top 9 Advantages and Disadvantages of Medicare Advantage Plans

The Medicare Part C information on this page originates from CMS Landscape Source Files, is maintained by David Bynon, and was last updated on January 26, 2021.

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