HumanaChoice R1390-001 (R1390-001), 2016 Preferred Provider Organization Medicare Advantage Plan, Sampson County, NC by Humana.
HumanaChoice R1390-001 is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Sampson County, North Carolina 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 $0.00.
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 HumanaChoice R1390-001 are allowed to offer a voluntary MOOP as low as $3,400.The HumanaChoice R1390-001 Medicare Advantage plan MOOP is $5,500. 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 $5,500, 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 HumanaChoice R1390-001 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 R1390-001 with these top rated Medicare Advantage Plans available in Sampson County:
- Aetna Medicare Value Plan
- Blue Medicare PPO Enhanced
- Blue Medicare HMO Enhanced
- Blue Medicare HMO Medical Only
- Blue Medicare HMO Essential
HumanaChoice R1390-001 Availability
HumanaChoice R1390-001 is available in Clinton, Autryville, Newton Grove, Salemburg, Harrells, Garland, Ivanhoe, Turkey, Roseboro, Godwin, and all other locations in Sampson County.
For more information, see Medicare Advantage Plans in Sampson County, NC.