HumanaChoice R5826-018 (R5826-018), 2016 Preferred Provider Organization Medicare Advantage Plan, Highlands County, FL by Humana.
HumanaChoice R5826-018 is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Highlands County, Florida 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 R5826-018 are allowed to offer a voluntary MOOP as low as $3,400.The HumanaChoice R5826-018 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 R5826-018 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 R5826-018 with these top rated Medicare Advantage Plans available in Highlands County:
- Humana Gold Plus H1036-230
- Humana Gold Plus H1036-268
- WellCare Dividend
- AARP MedicareComplete
- Florida Hospital SunSaver Plan
HumanaChoice R5826-018 Availability
HumanaChoice R5826-018 is available in Lorida, Avon Park, Venus, Lake Placid, Sebring, and all other locations in Highlands County.