HUMANA ADVANTAGE PLANS IN CHARLOTTE

 Medicare AdvantageThese plans are offered to US citizens who are 65 years of age or older, suffering from an end-stage renal disease or is a person with disabilities. People have shifted to Medicare Advantage plans in the past decade because of the added benefits that these plans provide. Medicare Advantage plans are provided by private organisations which are certified by medicare. Humana is one such private organisation, which provides plans which are not only beneficial but affordable as well. Humana Medicare Advantage plans in Charlotte are discussed below.

 

Humana Choice R1390-001 (Regional PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has no annual deductible and an out of pocket maximum of $5400. While visiting your primary doctor you have to pay a copay of $15 and for a specialist, you have to pay a copay of $50. The plan covers inpatient hospital stay for both acute as well as psychiatric services, at a copay of $0 after the sixth day. Ambulance and emergency services are also covered under this plan. You can avail the advantage of home health care, preventive care, and skilled nursing facility at a copay of $0. The plan also covers dental and vision care services, along with enrollment into fitness programs and SilverSneakers program. You are also entitled to over the counter benefits of up to $25 every three months.

 

Humana Gold Plus H1036-263 (HMO)

With an overall rating of 4.2, the plan is offered at a monthly premium of $0. The plan has no annual deductible and an out of pocket maximum of $6700. While visiting your primary doctor you have to pay a copay of $0 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 amount is applicable to the non-preferred drug and specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. The plan covers outpatient lab tests, and radiology services as well including MRI scans, Ct scans etc. The plan includes medicare approved dental services, eye exams, eyewear, hearing exams, hearing aids, meals, fitness programs, and chiropractic coverage as well. The plan covers transportation services at a copay of $0, including 24 trips every year.

 

Humana Gold Plus H1036-137 (HMO)

With an overall rating of 4.2, the plan is offered at a monthly premium of $21. The plan has no annual deductible and an out of pocket maximum of $3400. While visiting your primary doctor you have to pay no copay and for a specialist, you have to pay a copay of $35. The plan includes prescription drug services as well with a deductible amount of $160. The deductible amount is applicable to the non-preferred drug and specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. The plan offers ambulance services and emergency room services at a copay of $270 and $120 respectively. Along with these the plan also covers medicare covered therapeutic radiological services, diagnostic radiological services, and x-ray services. Outpatient rehabilitation services, dental care, vision care, hearing services, transportation services, language and speech therapy are also a part of this plan.

 

Humana Choice H5216-211 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $50. The plan has an in and out of the network annual deductible of $500 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 $160. The deductible amount is applicable to the non-preferred drug and specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. The plan covers in-patient hospital stay for both acute as well as psychiatric services at a copay of $0 after the sixth day. It also covers emergency room services at a copay of $90 and services regarding outpatient surgery. Chiropractic services and outpatient mental health services including both individual as well as group sessions are a part of this plan.

 

Humana Choice R1390-002 (Regional PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $82. The plan has no annual deductible 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 $50. The plan includes prescription drug services as well with a deductible amount of $360. The deductible amount is applicable to the non-preferred drug and specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. The plan also includes outpatient hospital services and services regarding the ambulatory surgical centre. Home health care and preventive care are also covered under this plan at a $0 copay. Dental benefits, routine eye exams, eyewear, contact lenses, routine hearing exams, evaluation of hearing aid, meals, fitness benefits, over the counter benefits, and chiropractic coverage are also covered under the Humana Choice plan.

 

Humana Gold Choice H8145-063 (PFFS)

With an overall rating of 3.4, the plan is offered at a monthly premium of $86. This Private fee for service plan enables you to visit any doctor, provided that he agrees to the PFFS terms and conditions of payment. The plan has no annual deductible and an out of pocket maximum of $6700. While visiting your primary doctor you have to pay a copay of $20 and for a specialist, you have to pay a copay of $50 The plan covers prescription drugs and has a deductible of $435. This is applicable for preferred brand, non-preferred drug, and specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. For any emergency ambulance or air ambulance services, you would have to pay just 20% coinsurance. CT scans, MRI scans, or diagnostic procedures are also covered under this PFFS plan.

 

Humana Gold Plus SNP-DE H1036-167 (HMO D-SNP)

With an overall rating of 4.2 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.