Medicare Advantage plans are the extra beneficial plans which are provided by privately-owned organisations. These organisations, registered and licensed by Medicare, provides tons of plans differing from region to region. Each plan is designed to suit the needs are requirements of individuals. Along with covering the part A and part B of the medicare, these plans provide extra benefits to its customers, thus looking after their overall health. Humana Medicare Advantage plans offer health insurance in all 50 states and are one of the biggest and the most popular in the United States. Humana Medicare advantage plans offered in Delaware are as discussed.
Humana Gold Plus H6622-010 (HMO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. This plan has no annual deductible, and an out of pocket maximum of $3400. While visiting a primary care doctor you have to pay a copay of $0 and for a specialist a copay of $40. The plan covers prescription drug services as well and has a deductible of $165. The deductible is applicable to the non-preferred drug or specialty tier. For generic or brand name drugs you have to pay a coinsurance of 25%. It provides Medicare-covered dental benefits, eye exams glaucoma screening, or hearing exams. Along with this it also provides various fitness benefits absolutely free of cost and covers your chiropractic services as well.
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 an annual deductible of $1000, and an out of pocket maximum of $6700. Under this plan, you also have to pay a $20 copay for visiting your primary doctor, and a $50 copay for visiting a 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 Choice H5216-028 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $68. The plan has an annual deductible of $1000 and an out of pocket maximum of $6700. While visiting your primary doctor you have to pay a copay of $15 and for a specialist, you have to pay a copay of $45. The plan includes prescription drug services as well with a deductible amount of $265. The deductible is applicable to the non-preferred drug or specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. The emergency services are also covered in this plan at a copay of $90. The plan also provides skilled nursing facility for up to 100 days, with a $0 copay for the first twenty days. The plan covers preventive care and home health care services as well. The plan also covers fitness benefits as well as over the counter benefits without paying any copay or coinsurance.
Humana Gold Plus SNP-DE H6622-051 (HMO D-SNP)
With an overall rating of 4 stars, this plan is offered at a monthly premium of $0. This gold plus plan is Special needs Plan which is specially added for people with particular chronic diseases. Not everybody is allowed to enrol in such plans. If you have a chronic disease like heart failure or end-stage renal disease, you can enrol in this plan. The special needs plan is specifically designed to cater to your needs depending on your particular situation. You have to pay a $0 copay while visiting your primary or specialty doctor. The plan also covers in-hospital stay and several chiropractic services as well. Along with covering the transportation costs, dental services, vision services, hearing services, over-the-counter benefits and fitness benefits are also covered in this plan. The plan also covers all of your prescription drug cost as well, provided you use the in-network pharmacies. The plan also provides preventive and home health care services at $0 copay.