Humana Gold Plus H1036-217 Overview
Humana Gold Plus H1036-217 for Lee County, Florida, by Humana Medical Plan, Inc., is a Health Maintenance Organization (HMO) Medicare Advantage plan for seniors on Medicare. It gives you all of the same health insurance benefits as traditional Medicare and offers extras that Medicare does not cover.
The insurance premium is $0.00 per month. You also have co-payments and/or co-insurances with each healthcare service that you use. You can learn more about the basic coverage costs on the co-payments page.
The real benefit of an HMO plan like Humana Gold Plus H1036-217 is lower, predictable out-of-pocket expenses. Although more restrictive than traditional Medicare, a Medicare Advantage HMO plan limits your annual out-of-pocket costs. With Medicare Parts A and B, there's no cap, leaving you vulnerable to excessive medical bills.
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 make refer you before you see a specialist.
Humana Gold Plus H1036-217 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.
The CMS has awarded Humana Gold Plus H1036-217 Above Average as compared to all others (as of 15 October, 2013).out of 5 stars. That means Medicare deems this plan
Humana Gold Plus H1036-217 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 $3,400. Be sure to take into consideration, along with the premium and the co-payments, when making your enrollment decision.
If you are comparing Humana Gold Plus H1036-217 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 Humana Gold Plus H1036-217 with these Medicare Advantage plans:
- Freedom Medicare Plan Rx
- BlueMedicare PPO
- Freedom Savings Plan Rx
- Freedom Savings Plan
- Aetna Medicare Premier Plan
Humana Gold Plus H1036-217 is available in the following Florida cities: Fort Myers, North Fort Myers, Cape Coral, Alva, Boca Grande, Bokeelia, Captiva, Estero, Fort Myers Beach, Lehigh Acres, Pineland, Saint James City, Sanibel, Bonita Springs, and all other areas of Lee County.
CMS File Date: January 14, 2014.
This Medicare health insurance catalog is maintained by 7/17/2014.and was last updated on