Medicare Advantage plans are offered by private health insurance companies and differ from region to region. More and more people are switching to Medicare Advantage plans from Original Medicare, because of the fact that they provide much more benefits than the original medicare. Humana provides multiple advantage plans and they all cater to different sections of the society. Humana Medicare Advantage plans in Idaho are discussed below.
- Humana Gold Plus H5619-079 (HMO)
With an overall rating of 4, the plan is offered by Humana at a monthly premium of $0. The plan does not have any annual deductible, and an out of pocket maximum of $6000. This health maintenance organisation plan helps you choose your primary care provider inside the network. This provider would have an overall picture of your health. In this plan, you do not have to pay any copay while visiting your primary care provider or any special care provider inside your network. The plan covers your prescription drug services as well, without any deductible, along with covering urgently needed services at a $0 copay. The plan also covers oral exams, prophylaxis, fluoride treatment, dental x-rays, non-routine services, restorative services, endodontics, extractions, periodontics, prosthodontics, surgeries, eyewear, eyeglasses, contact lenses, glaucoma screening, hearing aids, hearing exams, over the counter benefits, and fitness benefits.
- Humana Choice H5216-132 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. This plan has no annual deductible and a maximum out of pocket expense of $5000. Along with providing prescription drug coverage, it also covers in-hospital care for both acute as well as psychiatric services. You have to pay a 25% coinsurance for generic or brand name drugs. It also covers home health services and preventive care at a $0 copay. The plan has a network of nurses, pharmacies, doctors. Using the in-network services you would pay much less for the covered services.
- Humana Honor (PPO)
With an overall rating of 4, the Humana honor plan has a monthly premium of $0. It is a preferred provider organisation plan, which lets you choose a healthcare provider of your choice. In this plan, you don’t even have to get a referral to see any special doctor. The plan has no annual deductible, and an out of pocket maximum of $3600. Under this plan, you have to pay a $0 copay for visiting your primary doctor, and a copay of $35 for specialist. Humana Honor plan provides added services like dental coverage, oral exams, vision care, hearing services, and transportation services. You are also entitled to fitness, and over the counter benefits. However, the plan does not cover prescription drug services and you have to enrol in a Part D plan separately.
- Humana Gold Plus H5619-077 (HMO) With an overall rating of 4, the plan is offered at a monthly premium of $32. The plan does not have a monthly deductible and an out of pocket maximum of $5000 for in-network providers. You do not have to pay any copay while visiting your primary health care provider. The plan covers prescription drug coverage with a deductible of $150. The deductible amount is applicable to preferred brand, non preferred drug and specialty tier. For generic and brand name drugs you have to pay a coinsurance of 25%. The plan also covers cardiac and pulmonary rehabilitation services, occupational therapy services, physical therapy services as well as speech therapy services at 20% coinsurance. Along with covering up to 40 meals over a span of 20 days, acupuncture services are also included in the plan.
- Humana Choice H5216-044 (PPO)
With an overall rating of 4, the plan is available at a monthly premium of $38. This preferred provider organisation plan has no annual deduction and an out of pocket maximum of $6000. The plan covers inpatient hospital services, providing services for both acute diseases as well as psychiatric care. The plan covers your prescription drugs as well, with a deductible of $200. The deductible is applicable to preferred brand, non-preferred drug and specialty tier. The plan provides dental care, vision services, hearing services, over the counter benefits, fitness benefits as well as enrollment into the SilverSneakers program as well.