HumanaChoice R5826-013 (R5826-013), 2017 Preferred Provider Organization Medicare Advantage Plan, Osage County, KS by .
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 $177.00.
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 2017 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
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 R5826-013 Medicare Advantage plan is new and has not yet been rated by CMS. This is why the plan's rating is listed as out of 5 stars (as of 15 October, 2015).
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