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 Choice H8145-050 are allowed to offer a voluntary MOOP as low as $3,400.The Humana Gold Choice H8145-050 Medicare Advantage plan MOOP is N/A. 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 N/A, 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 Choice H8145-050 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 Choice H8145-050 with these top rated Medicare Advantage Plans available in Summers County:
- The Health Plan SecureCare - Option II
- The Health Plan SecureCare - Option I, MA Only
- The Health Plan SecureChoice - Option II
- Advantra Silver
- Advantra Choice
Humana Gold Choice H8145-050 Availability
Humana Gold Choice H8145-050 is available in Green Sulphur Springs, Hinton, Forest Hill, Pipestem, Meadow Creek, Nimitz, Sandstone, Talcott, Pence Springs, Jumping Branch, and all other locations in Summers County.
For more information, see Medicare Advantage Plans in Summers County, WV.