HumanaChoice R0923-002 (R0923-002), 2016 Preferred Provider Organization Medicare Advantage Plan, Summers County, WV by Humana.
HumanaChoice R0923-002 is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Summers County, West Virginia 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 $95.00.
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 2018 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 $6,700. 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
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 R0923-002 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 R0923-002 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
HumanaChoice R0923-002 Availability
HumanaChoice R0923-002 is available in Talcott, Hinton, Meadow Creek, Nimitz, Pipestem, Jumping Branch, Green Sulphur Springs, Forest Hill, Pence Springs, Sandstone, and all other locations in Summers County.