Humana Gold Choice H8145-091 (H8145-091), 2016 Private Fee-for-Service Medicare Advantage Plan, Washington County, VA by Humana.
Humana Gold Choice H8145-091 is a Private Fee-for-Service (PFFS) health insurance for people with Medicare in Washington County, Virginia. With a Medicare Advantage PFFS plan you can see almost any doctor you choose, as long as the provider accepts the plan's Terms and Conditions of Payment. Many Private Fee-for-Service plans combine all the benefits of Original Medicare, prescription drug coverage and many extras into one simple, easy-to-use plan. If that's what you want, be sure to read all of the details. The monthly premium is $90.00.
The Humana Gold Choice H8145-091 Private Fee-for-Service plan works differently than a Medicare Supplement (Medigap). With a Medicare Advantage PFFS plan your doctor or hospital can continue to treat you if it agrees to accept the terms and conditions of payment. For the same reason, they can choose not to treat you (with the exception of emergencies).
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 H8145-091 are allowed to offer a voluntary MOOP as low as $3,400.The Humana Gold Choice H8145-091 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
After its first year on the market, each Medicare Advantage plan receives a one to five star rating from the Centers for Medicare and Medicaid Services (CMS). The relative quality assessment of health insurance by CMS assists people who are considering enrollment. Plans with five stars represent the highest quality, whereas a one star plan has the worst quality.
The Humana Gold Choice H8145-091 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 H8145-091 with these top rated Medicare Advantage Plans available in Washington County:
- HumanaChoice H5216-100
- AARP MedicareComplete Plus Plan 1
- AARP MedicareComplete Plus Plan 2
- Humana Gold Plus H5619-090
- Humana Gold Plus H5619-091
Humana Gold Choice H8145-091 Availability
Humana Gold Choice H8145-091 is available in Mendota, Meadowview, Abingdon, Bristol, Emory, Glade Spring, Damascus, and all other locations in Washington County.