HUMANA ADVANTAGE PLANS IN IOWA

Medicare AdvantageOriginal Medicare provides the retired citizens of 65 years and older health care services. The medicare includes both the hospital insurance as well as medicare insurance. Medicare Advantage plans have a benefit over the Original Medicare plans because of the added advantages the plans provide. The medicare advantage plans are offered by private organisations, which are approved by Medicare. One such private organisation is Humana Medicare health insurance company, which is one of the biggest in the United States. Humana Medicare Advantage plans in the city of Iowa is discussed below.

1. Humana Choice H5216-086 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has no annual deductible, and a maximum out of pocket expense of $6700 for in-network, and $10,000 for any other provider. While visiting your healthcare provider you have to pay a copay of $10 and for a specialist, a copay of $45. The plan does not cover your prescription needs. The plan also covers outpatient lab services, diagnostics, therapeutic radiology services, occupational therapy services, physical therapy, as well as language and speech therapy. You can also avail home care and preventive care services at a $0 copay. The plan also gives you the flexibility of working out in any of the 14,000+ physical centres available nationwide.

2. Humana Gold Plus H0028-011 (HMO)
With an overall rating of 4.2, the plan is offered at a monthly premium of $0. This plan has no annual deductible, and an out of pocket maximum of $4200. While visiting a primary care doctor you have to pay a copay of $0, and a copay of $45. The plan covers prescription drug services as well and has a deductible of $150. The deductible is applicable to preferred brand, 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 transportation costs as well.

3. Humana Value Plus H5216-171 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $30. The annual deductible of the plan is the medicare defined deductible of part B, along with an out of pocket maximum of $6700. While visiting your primary health care provider you have to pay a copay of $20 and while visiting a special doctor you have to pay a copay of $50. The plan covers prescription drug coverage, with a deductible amount of $435. The deductible amount is applicable to generic, preferred drug, non-preferred drug, and specialty tier. For generic and brand name drugs, you have to pay a coinsurance of 25%. The plan also covers urgently needed services at a maximum of a copay of $65, along with cardiac and pulmonary rehabilitation services. The plan also covers all of your transportation costs at a $0 copay, providing 24 trips a year.

4. Humana Choice H5216-014 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $34. The plan has no annual deductible, along with a maximum out of pocket expense of $6700. While visiting your primary doctor you have to pay a copay of $15 for an inside the network doctor, and a copay of $45 while visiting a specialist. It would cost you 50% coinsurance for referring a doctor out of your plan’s network. The plan also covers your prescription drugs, with a deductible of $350. The deductible is applicable to non preferred drug and specialty tier. For generic and brand name you have to pay a coinsurance of 25%. The plan also provides cardiac and pulmonary rehabilitation services, occupational therapy services, as well as speech therapy services. The plan also covers up to 100 days of Skilled Nursing Facility.