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
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 R5826-078 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
HumanaChoice R5826-078 Availability
HumanaChoice R5826-078 is available in Norco, Des Allemands, Boutte, Destrehan, Hahnville, Saint Rose, Paradis, New Sarpy, Ama, Luling, and all other locations in Saint Charles Parish.
This page is maintained by Elizabeth Dial and was last updated on 9/22/2015.