Humana Gold Plus H1036-268 (H1036-268), 2016 Health Maintenance Organization Medicare Advantage Plan, Highlands County, FL by Humana.
Humana Gold Plus H1036-268 is a Health Maintenance Organization (HMO) health insurance plan for seniors and other people with Medicare living in Highlands County, Florida. It includes all of the benefits of Original Medicare and may include prescription drug coverage and other extras. The primary benefit of an HMO is that the out-of-pocket costs are lower and more predictable than with other types of plans. The monthly premium is $0.00.
Please note: You must use plan providers to avoid incurring additional costs. You will be responsible for the costs of out of network care. Referrals may be required for all but primary care physician visits.
Maximum Out-of-Pocket (MOOP) Expense
All Medicare Advantage plans have a maximum out-of-pocket (MOOP) limit of $6,700. This is mandated by law. However, plans like Humana Gold Plus H1036-268 are allowed to offer a voluntary MOOP as low as $3,400.The Humana Gold Plus H1036-268 Medicare Advantage plan MOOP is $6,700. This figure does not include your monthly premium or the cost of your prescriptions (Part D Coverage).
What this means is that as soon as your copayments and coinsurance for doctor visits and hospital care reaches $6,700, you will no longer pay copayment or coinsurance for the remainder of the year. This is your guarantee that a critical illness or serious accident will protect you from financial liability. It's just as important as the premiums and the co-payments.When comparing Medicare Advantage plans with traditional Medicare, don't forget that you pay about twenty percent of all covered expenses, but there's no limit. That means you have a lot of risk unless you purchase a Medicare supplement policy to cover the gap.
CMS 5-Star Rating
To help shoppers compare private health insurance options, Medicare rates the quality of all Medicare Advantage plans. The Centers for Medicare and Medicare Services rates each plan using a one to five-star scale, with one star representing the lowest quality and five stars the highest.
The Humana Gold Plus H1036-268 Medicare Advantage plan has received a Above Average (as of 15 October, 2015).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare Humana Gold Plus H1036-268 with these top rated Medicare Advantage Plans available in Highlands County:
- Humana Gold Plus H1036-230
- WellCare Dividend
- AARP MedicareComplete
- Florida Hospital SunSaver Plan
- HumanaChoice Florida H5216-072
Humana Gold Plus H1036-268 Availability
Humana Gold Plus H1036-268 is available in Lake Placid, Avon Park, Sebring, Venus, Lorida, and all other locations in Highlands County.