Original medicare services are provided by the government of the United States. Along with covering the part A and part B of your medicare, medicare advantage plans also cover part C of your medicare. Medicare Advantage plans are extra beneficial plans which are provided by companies along with your original medicare. In simpler terms, if you already have a part A and part B of your medicare, you can choose to opt for part c of the medicare – medicare advantage plans. Medicare Advantage health plans provide an added advantage to your original medicare. Along with organising your original medicare provided by the government in a more efficient way, the plans also provide dental services, routine vision checks, dentures etc. which are not covered in Part A and Part B of the medicare. Humana Medicare Advantage plans offered in West Covina are discussed below.
- Humana Gold Plus H5619-021 (HMO)
With an overall rating of 4, Humana Gold plus plan is offered at a monthly premium of $0. The Gold Plus plan is a health maintenance organisation plan which requires you to select a primary health care physician. This healthcare provider would be your primary doctor, who would have an overall picture of your health. He would be the one you will have to take referrals from. The Gold Plus plan has no annual deductible, and an out of pocket maximum of $990. For visiting a doctor in your network you have to pay a copay of $0. The plan also covers inpatient hospital stay, at a $0 copay after the seventh day. Along with this, the prescription drugs are also covered in the plan with absolutely no deductible. They provide coverage for all five tiers of prescription drugs. For generic and brand name drugs you have to pay a coinsurance of 5%. The plan also covers your transportation charges which reduce the out of pocket expense.
- Humana Honor (HMO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan has no monthly deductible and a maximum out of pocket expense of $6700 for in-network providers. The plan also pays for your inpatient hospital stays including both acute as well as psychiatric hospitals. You have to pay a copay of $20 every time you visit your primary health care provider and a copay of $50 for a specialist. The plan covers annual lab tests as well as radiology tests like CT scans and MRI scans, with a payable coinsurance of 20%. The plan also covers home health care, preventive services, and skilled nursing facility as well. At a coinsurance of 20%, you can avail chiropractic services through this plan. However, this plan does not include fitness benefits or prescription drug coverage, and you have to enrol into a separate part D program to get your medicines covered.
- Humana Value Plus H5619-037 (HMO)
With an overall rating of 4, this plan is offered at a monthly premium of $0. The plan charges medicare defined part B annual deductible and a maximum out of pocket expense of $6700. For visiting your primary care provider or a specialist you do not have to pay any copay. The plan also covers prescription drug services, and provide a deductible amount of $435. The deductible amount applies to generic, preferred brand, non preferred drug, and specialty tier. For generic and brand name drugs you have to pay a coinsurance of 25%. Along with this it also provides vision services, dental services, over the counter benefits, fitness benefits, hearing services, as well as SilverSneakers program, also providing the skilled nursing facility at a $0 copay for the first twenty days.