Advantage plans are extra beneficial plans which are offered by private institutions to the citizens of the United States who are eligible for the Original Medicare. These private organisations are credited and approved by medicare. More and more people are switching to advantage plans, because of the fact that they not only manage your original medicare but also provide extra benefits apart from medicare, at a very affordable cost. Humana Medicare Advantage plans offer an affordable monthly premium and tons of benefits. Humana Medicare Advantage plans offered in Hawaii are discussed below.
Humana Choice H5216-041 (PPO)
With an overall rating of 4, this plan is offered by Humana Medicare advantage at a monthly premium of $0. The plan has no annual deductible, and it also limits your out of pocket expense at $6700. While visiting a primary doctor in this preferred provider organisation plan you need to pay a copay of $10, and a copay of $50 while visiting a specialist. Prescription drugs are also covered in these plans, and you have to pay a deductible of $325, which is applicable to the preferred brand, non-preferred drug, and specialty tier. For generic and brand name drugs you have to pay a 25% coinsurance. Along with providing various fitness program benefits, the plan also entitles you to the entry into the SilverSneakers program. With this, you have the benefit of working out at more than 14000 fitness centres all around the nation. The dental, and vision care services are also a part of the package. Outpatient rehabilitation services and Skilled Nursing Facility are also covered under this plan at $0 copay for the first twenty days.
Humana Gold Plus H0028-004 (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 a maximum out of pocket expense of $5850 for in-network providers. You do not have to pay any copay while visiting your primary health care provider and a copay of $45 while visiting a specialist. The plan also covers prescription drug services as well, with a deductible of $275. The deductible 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 covers all of your urgently needed services as well as emergency ambulance services as well. The plan covers medicare covered dental services, oral exams, eye exams, eyewear, glaucoma screening, hearing exams, hearing aids, and over the counter benefits of $45 every three months.
Humana Choice H5216-040 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $54. The plan has no annual in-network deductible and an out of pocket maximum expense of $5350. You have to pay a $0 copay for visiting your primary health care provider, and a $35 copay for an office visit to a specialist. The plan covers your prescription drug needs as well with a deductible amount of $200. This 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 provides extra benefits like home health care services, preventive care services, eye exams, eyewear, contact lenses, eyeglasses, glaucoma screening, routine hearing exams, fitness benefits, Silver sneakers program, outpatient mental health services, transportation services, as well as chiropractic coverage. The plan also provides alternative acupuncture services at a $0 copay, with 25 treatments per year.