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.