HUMANA ADVANTAGE PLANS IN AUSTIN

 Medicare plans provided by the federal government of the United States covers part A as well as Part B of your medicare. In simpler words, it means that the Original Medicare would cover your hospital and medicare coverage. Whereas Medicare advantage plans not only cover your medicare as well as hospital coverage but also provides you with tons of extra benefits. You can enrol yourself in these advantage plans at a monthly premium as low as $0. Humana is one of the biggest healthcare providers in the United States and covers all the 50 states of the country. Humana Medicare Advantage plans in Austin are discussed below.

 

  1. Humana Gold Plus H0028-037 (HMO)

With an overall rating of 4.3, Humana Gold plus plan offers a monthly premium of $0. This Health Maintenance Organisation plan requires you to have a primary care provider, who would have the overall picture of your health at all given times. You can choose any doctor to be your primary care provider, provided he lies in the network of the plan. You do not have to pay any co-pay while visiting your primary provider. The plan provides an out of pocket maximum expense of $6700, which is quite affordable. It also provides prescription drug coverage, dental care, vision care, and over the counter benefits as well.

 

  1. HumanaChoice H5216-128 (PPO)

With an overall rating of 4, Humana Choice plan offers a monthly premium of $0. This preferred provider organisation plan gives you the flexibility of seeing any doctor of your choice, without any network restrictions. This plan also does not require any referral to be signed beforehand. The out of pocket expense is a bit more in this plan. You need to pay a $10 copay when you visit a doctor inside the plan’s network and a 30% coinsurance for doctors outside the network. The plan covers inpatient hospital stay at a $0 copay after day 5. Along with providing dental as well as vision services the plan also provides various fitness programs and skilled nursing facilities as well.

 

  1. HumanaChoice R4182-001 (Regional PPO)

With an overall rating of 3.5, Humana choice plan is a regional preferred provider organisation plan, which serves within the region of Austin. This plan has a monthly premium of $0. It provides an out-of-pocket maximum of $5700 for in-network services. You also have to pay a $15 copay for visiting an in-network general doctor, and 30% coinsurance for visiting a doctor outside the network. The plan covers both in-hospital acute as well as psychiatric stay, with a $0 copay after the fifth day. It provides hearing services, vision care, dental care, and fitness programs as well. It also provides preventive services and home health care services as well, at a copay of $0.

 

  1. HumanaChoice H0473-003 (PPO)

With an overall rating of 4.5, this Humana choice plan is a fairly new plan added to the city of Austin. With a monthly premium of $38, this preferred provider organisation plan gives you the flexibility of choosing your doctor anywhere around the city, without the restriction of a region or network. With no annual deductible, this plan has a $0 copay for visiting your primary doctor, inside the network. However, you would not need any referral to visit any special doctor. The plan also has the benefit of prescription drug coverage. It covers Tier 4, that is non-preferred drugs, and Tier 5, special drugs as well. It provided added benefits of dental services, vision, hearing services, chiropractic care, fitness benefits, and enrollment to SilverSneakers program as well.

 

  1. HumanaChoice R4182-004 (Regional PPO)

With an overall rating of 3.8, this is another PPO plan offered by Humana. It has a monthly premium of $54, along with an annual in and out of network deductible of $750. The plan does cover prescription drugs as well. Along with covering Tier 4 and Tier 5 of prescription drugs, the plan covers Tier 3, that is preferred brand drugs as well. It has a 25% copay on generic and brand name drugs. This plan covers the emergency ambulance and air ambulance services as well, with a very affordable copay and coinsurances, along with 100 days in Special Nursing Facility. The plan also covers basic benefits like hearing services, dental care, and vision care as well.

 

  1. HumanaChoice R4182-003 (Regional PPO)

With an overall rating of 3.4, this regional PPO plan has a monthly premium of $95, along with an annual deductible of $750, in as well as out of the network. The plan provides a minimal copay of $15 for visiting your primary doctor inside the network, and a coinsurance of 40% for a doctor outside the network. It has prescription drug deductible of $175 and covers Tier 3, 4, and 5 of prescription drugs, which is not covered in the Original Medicare. The plan also covers lab services and therapeutic radiology services as well. The plan also covers oral exams, dental x-rays, eye exams, eyewear, glaucoma-screening, hearing exams, and hearing aids as well at $0 copay.

 

  1. Humana Gold Plus SNP-DE H0028-044 (HMO D-SNP)

With an overall rating of 4.4, this special needs plan has a monthly premium of $0. Special needs plans are extra beneficial plans for individuals who are suffering from a particular chronic disease. These plans are specially designed to fit your medical needs according to the particular health condition you suffer from. With no annual deductible, the plan offers a $0 copay for visiting your primary doctor. It also has a $0 copay for inpatient hospital coverage and no prescription drug deductible. It covers all of the prescription drugs from Tier 1 to Tier 5. The plan not only specialises services according to your requirements but also focuses on your overall health. It provides routine dental services, medicare covered vision services, diabetic eye exam, routine hearing services, and transportation services as well.