Humana Honor Saint Martin Parish, LA — 2021 Medicare Advantage Plan
This page contains editorial content that is not endorsed or approved by Humana[2]. This is not a solicitation of insurance.
| Medicare Rating: | |
|---|---|
| CMS Plan ID: | H5216-201 |
| CMS Plan Year: | 2021 |
| Premium: | $0.00/mo |
| Premium Valid: | Until 2021-12-31 |
| Drug Plan: | No |
| Rx Deductible: | $0.00/year |
| Online Pharmacy: | No |
| Rx Gap Coverage: | |
| Availability: | Saint Martin County, LA |
| Policy Valid: | 2021-1-1 to 2021-12-31 |
| Insured By: | Humana |
Humana Honor 2021 Medicare Advantage PPO Plan for Saint Martin Parish, LA
Humana Honor is a Medicare Advantage plan from Humana that's available to Medicare beneficiaries living in Saint Martin Parish, Louisiana.
- It is a Preferred Provider Organization (PPO) health plan.
- It provides the same basic benefits as Original Medicare.
- It may offer extras that Medicare does not cover.
- The maximum out-of-pocket cost with this plan is $6,700 .
- The monthly premium is $0.00 (plus your Part B premium).
- NOTE: It does not include a prescription drug plan (Part D).
Humana Honor vs. Original Medicare in Saint Martin Parish
This PPO plan replaces your traditional Medicare coverage in Saint Martin Parish. If you join Humana Honor, you must agree to let Humana manage your Medicare benefits, including:
- Medicare Part A (hospital insurance).
- Medicare Part B (medical insurance).
- Additional benefits included in the plan not covered by 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.
Humana Honor 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 5 different areas that will help you understand how well this plan will care for you.
- Prescription Coverage: Not included with this plan.
- 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.
NOTE: Humana Honor does not include a drug plan. To get prescription coverage, add one of the stand-alone Medicare Drug Plans in Louisiana. Coverage by prescription drug plans varies, so make sure you get the coverage you need.
Monthly Premium
The monthly premium if you join Humana Honor is $0.00 per month. 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 preventative care mandated by CMS (see H5216-201 Summary of Benefits below).
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.
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 Honor 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 Saint Martin 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:
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 Saint Martin Parish
Are you eligible for a Saint Martin 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:
- Peoples Health Secure Health (Local HMO), for Dual-Eligible beneficiaries
- WellCare Pinnacle (Local HMO), for Dual-Eligible beneficiaries
- Peoples Health Secure Complete (Local HMO), for Dual-Eligible beneficiaries
- WellCare Liberty (Local HMO), for Dual-Eligible beneficiaries
- WellCare Access (Local HMO), for Dual-Eligible beneficiaries
Not qualified for an SNP? Here are some additional plans you might consider:
- Blue Advantage (PPO)
- HumanaChoice R0110-003 (PPO)
- Peoples Health Patriot (PPO)
- Humana Gold Plus H1951-049 (HMO)
- Allwell Medicare (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 .
