HumanaChoice R5826-078 Saint Charles County, LA Medicare Advantage Plan
Health Plan Summary
HumanaChoice R5826-078 (R5826-078), Preferred Provider Organization Advantage Plan, Saint Charles County, LA by Humana Insurance Company
HumanaChoice R5826-078 is a Preferred Provider Organization (PPO) health insurance plan for seniors and other Medicare beneficiaries in Saint Charles County, Louisiana 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 $43.00.
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 2015 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
The Centers for Medicare and Medicaid Services (CMS) rates the relative quality of all private health insurance offered through the Medicare Advantage program. The ratings are designed to assist people considering enrolling. CMS rates plans on a one to five-star scale, with five stars representing the best quality.
The HumanaChoice R5826-078 Medicare Advantage plan has received a Above Average (as of 15 October, 2013).out of 5 star average rating. Overall, CMS considers this plan to be
Compare Medicare Advantage Plans
Compare HumanaChoice R5826-078 with these top rated Medicare Advantage Plans available in Saint Charles County:
- Humana Gold Plus H1951-001
- HumanaChoice R5826-011
- Peoples Health Choices Plus
- HumanaChoice R5826-068
- Humana Total Care Advantage H1951-038
Additional Senior Health Plans in Saint Charles County, LA
- Medicare Advantage HMO and PPO Plans Available in Saint Charles County, LA
- Louisiana Medigap Medicare Supplements
- Medicare Part D Prescription Drug Plans for Louisiana Seniors
HumanaChoice R5826-078 Availability
HumanaChoice R5826-078 is available in Ama, Norco, New Sarpy, Paradis, Luling, Boutte, Destrehan, Hahnville, Des Allemands, Saint Rose, and all other locations in Saint Charles Parish.
This page was last updated on: 10/19/2014