HumanaChoice R3392-002 (R3392-002), 2016 Preferred Provider Organization Medicare Advantage Plan, Chester County, SC by Humana.
HumanaChoice R3392-002 is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Chester County, South 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 $77.00.
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 R3392-002 are allowed to offer a voluntary MOOP as low as $3,400.The HumanaChoice R3392-002 Medicare Advantage plan MOOP is $6,700. 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 $6,700, 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 HumanaChoice R3392-002 Medicare Advantage plan has received a Not Rated (as of 15 October, 2015).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare HumanaChoice R3392-002 with these top rated Medicare Advantage Plans available in Chester County:
- Care Improvement Plus Medicare Advantage
- HumanaChoice R3392-001
- Cigna-HealthSpring Preferred
- Absolute Total Care
- Molina Dual Options
HumanaChoice R3392-002 Availability
HumanaChoice R3392-002 is available in Blackstock, Richburg, Fort Lawn, Great Falls, Edgemoor, Lando, Chester, and all other locations in Chester County.