Humana Gold Choice H8145-123 (H8145-123), 2016 Private Fee-for-Service Medicare Advantage Plan, Lincoln County, NM by Humana.
Humana Gold Choice H8145-123 is a Private Fee-for-Service (PFFS) health insurance for people with Medicare in Lincoln County, New Mexico. 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 $103.00.
The Humana Gold Choice H8145-123 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
The new healthcare law allows for a maximum limit of $6,700 on your out of pocket medical costs for 2019 Medicare Advantage plans. This amount is commonly called the plan MOOP (Maximum Out of Pocket). A plan's MOOP does not include your prescriptions or the monthly premiums you pay for your health plan.
Although the mandatory MOOP limit is $6,700, the Affordable Care Act law allows for a “Voluntary MOOP” that can be as low as $3,400. The MOOP on this plan is N/A. You need to take this figure into as much consideration as the premiums and the co-payments.
If you are comparing this Medicare Advantage plan with your Original Medicare benefits, take into consideration that the government does not have out-of-pocket limits on Medicare Parts A and B. With traditional Medicare the only way to protect yourself is to purchase a Medigap insurance policy to supplement your coverage.
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 H8145-123 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 H8145-123 with these top rated Medicare Advantage Plans available in Lincoln County:
- HumanaChoice H5216-077
- HumanaChoice H5216-079
- Presbyterian MediCare PPO Plan 2 with Rx
- Presbyterian MediCare PPO Plan 1
Humana Gold Choice H8145-123 Availability
Humana Gold Choice H8145-123 is available in Fort Stanton, Picacho, Carrizozo, Ruidoso Downs, Glencoe, Alto, Tinnie, San Patricio, Corona, Capitan, Lincoln, Hondo, Nogal, Ruidoso, and all other locations in Lincoln County.
For more information, see Medicare Advantage Plans in Lincoln County, NM.