HumanaChoice H5216-077 (H5216-077), 2016 Preferred Provider Organization Medicare Advantage Plan, Lincoln County, NM by Humana.
HumanaChoice H5216-077 is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Lincoln County, New Mexico with Medicare benefits. A Medicare Advantage PPO plan gives you freedom to choose which doctors, specialists, and hospitals you visit. You can lower your costs when you use network providers. Plus, predictable copayments and coinsurance make it easier for you to budget healthcare costs. The monthly premium is $0.00.
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 HumanaChoice H5216-077 are allowed to offer a voluntary MOOP as low as $3,400.The HumanaChoice H5216-077 Medicare Advantage plan MOOP is $4,900. 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 $4,900, 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
The Centers for Medicare and Medicaid Services (CMS) rates the relative quality of all private health insurance offered through the Medicare Advantage program. The ratings are designed to assist people considering enrolling. CMS rates plans on a one to five-star scale, with five stars representing the best quality.
The HumanaChoice H5216-077 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 HumanaChoice H5216-077 with these top rated Medicare Advantage Plans available in Lincoln County:
- HumanaChoice H5216-079
- Humana Gold Choice H8145-123
- Presbyterian MediCare PPO Plan 2 with Rx
- Presbyterian MediCare PPO Plan 1
HumanaChoice H5216-077 Availability
HumanaChoice H5216-077 is available in Hondo, Nogal, Ruidoso Downs, Corona, Ruidoso, Tinnie, San Patricio, Alto, Capitan, Picacho, Glencoe, Lincoln, Carrizozo, Fort Stanton, and all other locations in Lincoln County.
For more information, see Medicare Advantage Plans in Lincoln County, NM.