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HUMANA ADVANTAGE PLANS IN COLORADO

 Medicare AdvantageMedicare Advantage plans are the extra beneficial plans which are provided by privately-owned organisations. These organisations, registered and licensed by Medicare, provides tons of plans differing from region to region. Along with covering the part A and part B of the medicare, these plans provide extra benefits to its customers, thus looking after their overall health. Humana Advantage plans offer health insurance in all 50 states and are one of the biggest and the most popular in the United States. Humana Medicare advantage plans offered in Colorado are as discussed.

 

Humana Honor (PPO)

With an overall rating of 4, the Humana honor plan has a monthly premium of $0. It is a preferred provider organisation plan, which lets you choose a healthcare provider of your choice. In this plan, you don’t even have to get a referral to see any special doctor. The plan has no annual deductible, and an out of pocket maximum of $4400. Under this plan, you also have to pay a $20 copay for visiting your primary doctor. Humana Honor plan provides added services like dental coverage, oral exams, vision care, hearing services, and transportation services. You are also entitled to fitness, and over the counter benefits. However, the plan does not cover prescription drug services and you have to enrol in a Part D plan separately.

 

Humana Gold Plus H0028-025 (HMO)

With an overall rating of 4.2, the plan is offered at a monthly premium of $0. The plan has no annual deductible and a maximum out of pocket expense of $4500 for in-network providers. You do not have to pay any copay while visiting your primary health care provider and a copay of $40 while visiting a specialist. The plan also covers prescription drug services as well, with a deductible of $95. The deductible is applicable to non-preferred drug and specialty tier. For generic and brand name drugs, you have to pay a coinsurance of 25%. The plan covers all of your urgently needed services as well as emergency ambulance services as well. The plan covers medicare covered dental services with a copay of $40, along with eye exams, eyewear, glaucoma screening, hearing exams, hearing aids, and over the counter benefits of $100 every three months. The plan also covers your transportation costs.

 

Humana Choice H5216-077 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has no annual deductible, and a maximum out of pocket expense of $4400, for in-network services, and $6700 for providers out of the network. While visiting your health care provider you have to pay $0 copay and a $30 copay for a specialist, inside your network. The plan does not pay for your prescription drug coverage, and you have to take a part D plan separately. The plan covers your emergency room services at a copay of $90. This plan also covers additional services like dental, vision, hearing services, fitness benefits, over the counter benefits, as well as transportation costs. The plan provides in-network preventive and home health care at $0 copay.

 

Humana Value Plus H5216-195 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $23.90. The annual deductible of the plan is the medicare defined deductible of part B, along with an out of pocket maximum of $6700. While visiting your primary health care provider or a special doctor you have to pay a coinsurance of 20%. The plan covers prescription drug coverage, with a deductible amount of $435. The deductible amount is applicable to generic, preferred drug, non-preferred drug, and specialty tier. For generic and brand name drugs, you have to pay a coinsurance of 25%. The plan also covers urgently needed services at a maximum of a copay of $65, along with cardiac and pulmonary rehabilitation services. The plan also covers all of your transportation costs at a $0 copay, providing 24 trips a year.

 

Humana Gold Plus H0028-026 (HMO)

With an overall rating of 4.2, the plan is offered at a monthly premium of $50. The plan has no annual in-network deductible and an out of pocket maximum of $6700. While visiting a primary health care provider you have to pay a copay of $11, whereas a copay of $50 has to be paid while visiting a specialist. The plan also covers prescription drugs with a deductible amount of $95. This deductible amount is applicable to the non-preferred drug and specialty tier. For generic and brand name drugs, you have to pay a 25% coinsurance. The plan covers outpatient surgery cost and the cost of urgently needed services, including the ambulance service as well. The plan also covers skilled nursing facility at $0 copay for the first 20 days, along with dental care, hearing services and various fitness programs.

 

Humana Choice H5216-078 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $55. The plan has an annual deductible of $800 for both in as well as out of the network, and a maximum out of pocket expense of $6700 for in-network, and $10,000 for any other provider. While visiting your healthcare provider you have to pay a copay of $10 and for a specialist, a copay of $50. The plan also covers your prescription needs and provides a deductible of $195, applicable to preferred brand, non-preferred drug, and specialty tier. For generic and brand name drugs, you have to pay a coinsurance of 25%. The plan also covers outpatient lab services, diagnostics, therapeutic radiology services, occupational therapy services, physical therapy, as well as language and speech therapy. You can also avail home care and preventive care services at a $0 copay. The plan also gives you the flexibility of working out in any of the 14,000+ physical centres available nationwide.

 

Humana Gold Choice H8145-120 (PFFS)

With an overall rating of 3.3, the plan is offered at a monthly premium of $59. The plan has an annual in as well as out of network deductible of $150, and a maximum out of pocket expense of $6700. While visiting a primary health care provider, you have to pay a copay of $20, and a copay of $50 while visiting a specialist. The plan provides medicare approved dental services with a copay of $50. It also provides eye exams, contact lenses, eyewear, glaucoma screening, and hearing exams at a copay of $50. The plan does not cover prescription drugs and you have to enrol yourself in an additional part D plan which provides drug coverage.

 

Humana Gold Choice H8154-123 (PFFS)

With an overall rating of 3.4, the plan is offered at a monthly premium of $127. The plan has no annual deductible and an out of pocket maximum of $6700. While visiting your primary doctor you have to pay a copay of $15 and for a specialist, you have to pay a copay of $50. The plan includes prescription drug services as well with a deductible amount of $300. The deductible amount is applicable to preferred brand, non-preferred drug, and specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. The plan also provides in-network home healthcare as well as preventive care at $0 copay. The plan also covers oral exams, prophylaxis, dental x-rays, and restorative services at 0% coinsurance. The plan also entitles you to SilverSneakers program, along with over the counter benefits and chiropractic care as well.