HUMANA ADVANTAGE PLANS IN ILLINOIS

Medicare AdvantageMedicare Advantage plans are offered by private health insurance companies and differ from region to region. More and more people are switching to Medicare Advantage plans from Original Medicare, because of the fact that they provide much more benefits than the original medicare. Humana provides multiple advantage plans and they all cater to different sections of the society. Humana Medicare Advantage plans in Illinois are discussed below.

 

 

  1. Humana Gold Plus H1468-013 (HMO)

With an overall rating of 4.3, the plan is offered at a monthly premium of $0. The plan has no annual deductible and an out of pocket maximum of $2750. While visiting your primary doctor you have to pay a copay of $0 and for a specialist, you have to pay a copay of $25. The plan includes prescription drug services with no deductible amount. For generic as well as brand name drugs you have to pay a 25% coinsurance. The plan also covers emergency services at a copay of $120. The plan covers outpatient radiology services, lab services, as well as therapeutic services. Preventive as well as home health care services are also covered at a $0 copay. The plan also provides transportation services at a $0 copay.

 

  1. Humana Choice R5361-001 (Regional PPO)

With an overall rating of 3.4, the plan is offered at a monthly premium of $0. The plan has an annual deductible of $100 and an out of pocket maximum of $6700. While visiting your primary doctor you have to pay a copay of $20 and for a specialist, you have to pay a copay of $50. The plan does not include prescription drug services. The plan also provides therapeutic services and radiology services, like a CT scan and MRI scan. You can also avail urgently needed services at a maximum copay of $65. The plan has a network of hospitals, doctors, nurses, and pharmacies. You would pay much less if you use in-network pharmacies and healthcare providers.

 

  1. Humana Choice H5216-013 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $88. 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 $5 and for a specialist, you have to pay a copay of $40. The plan has prescription drug coverage as well. The plan covers an in-hospital stay for both acute as well psychiatric stay, at a $0 copay after the sixth day. You can also avail any urgently needed service as coinsurance of 20%. The plan covers oral exams, dental x-rays, prophylaxis, extractions, restorative services, eyewear, eye exams, glaucoma screening, routine hearing exams, hearing aids, fitness benefits, over the counter benefits, SilverSneakers program, meals, as well as chiropractic services.

 

  1. Humana Choice H5361-002 (Regional PPO)

With an overall rating of 3.4, the plan is offered at a monthly premium of $139. The plan charges medicare defined part B annual deductible and an out of pocket maximum of $6700. While visiting your primary doctor or specialist you have to pay a coinsurance of 20%. The plan covers prescription drug coverage with a deductible of $420. The deductible amount is applicable to generic, preferred brand, non preferred drug and specialty tier. For generic as well as brand name drugs you have to pay a 25% coinsurance. The emergency services are also covered in this plan at a copay of $90. The plan also provides skilled nursing facility for up to 100 days, with a $0 copay for the first twenty days. The plan covers preventive care and home health care services as well. The plan also covers fitness benefits as well as over the counter benefits without paying any copay or coinsurance. Transportation costs are also covered under this plan.

 

  1. Humana Gold Choice H8145-008 (PFFS)

With an overall rating of 3.4, the plan is offered at a monthly premium of $166. The plan has an in and out of the network annual deductible of $200 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 $45. The plan includes prescription drug services as well with a deductible amount of $380. 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 covers outpatient surgery and rehabilitation services. Along with this, the plan provides medicare approved dental services, eye exams, eyewear, glaucoma screening, hearing exams, fitness benefits, as well as enrollment in the SilverSneakers program.

 

  1. Humana Choice H5216-178 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $0. 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 $5 and for a specialist, you have to pay a copay of $40. The plan includes prescription drug services as well with no deductible amount. For generic as well as brand name drugs you have to pay a 25% coinsurance. The plan covers in-patient hospital stay for both acute as well as psychiatric services at a copay of $0 after the sixth day. It also covers emergency room services at a copay of $90 and services regarding outpatient surgery. Chiropractic services and outpatient mental health services including both individual as well as group sessions are a part of this plan.