HumanaChoice R5826-013 (R5826-013), 2016 Preferred Provider Organization Medicare Advantage Plan, Osage County, KS by Humana Insurance Company.
HumanaChoice R5826-013 is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Osage County, Kansas 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 $165.00.
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 2016 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 $4,000. 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
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 R5826-013 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
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HumanaChoice R5826-013 Availability
HumanaChoice R5826-013 is available in Melvern, Osage City, Burlingame, Carbondale, Overbrook, Vassar, Quenemo, Scranton, Lyndon, and all other locations in Osage County.