HumanaChoice R5826-078 Saint Charles County, LA Medicare Advantage Plan

Medicare Rating:HumanaChoice R5826-078, a 2015 Medicare Advantage plan for Saint Charles County, LA seniors, has an average CMS rating of 4.0 out of 5 stars.
CMS Plan ID:R5826-078
CMS Plan Year:2015
Rx Deductible:$320.00/year
Online Pharmacy:No
Rx Gap Coverage:No
Availability:Saint Charles County, LA
Benefits PDF:Not Available
Regional PPO Plan
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Health Plan Summary

HumanaChoice R5826-078 Medicare Advantage Plan for Saint Charles County, Louisiana seniors on Medicare.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

All Medicare Advantage plans have a maximum out-of-pocket (MOOP) limit of $6,700. This is mandated by law. However, plans like HumanaChoice R5826-078 are allowed to offer a voluntary MOOP as low as $3,400.The HumanaChoice R5826-078 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 R5826-078 Medicare Advantage plan has received a 4.0 out of 5 star average rating. Overall, CMS considers this plan to be Above Average (as of 15 October, 2013).

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HumanaChoice R5826-078 Availability

HumanaChoice R5826-078 is available in Destrehan, Ama, Saint Rose, Norco, Luling, New Sarpy, Des Allemands, Boutte, Paradis, Hahnville, and all other locations in Saint Charles Parish.

This page was last updated on: 11/1/2014