HUMANA ADVANTAGE PLANS IN ARKANSAS

Humana Medicare AdvantageOriginal Medicare provides the retired citizens of 65 years and older health care services. The medicare includes both the hospital insurance as well as medicare insurance. Medicare Advantage plans have a benefit over the Original Medicare plans because of the added advantages the plans provide. The medicare advantage plans are offered by private organisations, which are approved by Medicare. One such private organisation is Humana Medicare health insurance company, which is one of the biggest in the United States. Humana Medicare Advantage plans in the city of Arkansas is discussed below.

 

Humana Choice H5216-139 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $0. The annual deductible for the plan is charged as per medicare defined part B amount, with an out of pocket maximum of $6700. While visiting your primary doctor you would have to pay a 20% coinsurance for both in as well as out of the network provider. The plan covers prescription drug services as well, with a deductible of $435. The deductible 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. For the urgently needed services, you have to pay a maximum copay of $65. The plan also covers outpatient mental health, at 20% coinsurance.

 

Humana Choice R1532-001 (Regional PPO)

With an overall rating of 3, the plan is offered at a monthly premium of $0. The annual deductible for this plan is $500 for both in as well as out of the network services, with a maximum out of pocket expense of $3900. The plan covers both emergencies as well as ambulance services at an affordable copay. The plan also covers oral exams, dental c rays, dental medicare covered benefits, extractions, eye exams, eyewear, contact lenses, glaucoma screening, routine hearing exams, in-network fitness benefits, and over the counter benefits as well. The plan, however, does not cover your prescription drugs.

 

Humana Honor (PPO)

With an overall rating of 4, the Humana honour 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 $4900. Under this plan, you also have to pay a $0 copay for visiting your primary doctor. Humana Honour 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 Value Plus H5216-165 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $20.30. The annual deductible for the plan is charged as per medicare defined part B amount, with an out of pocket maximum of $6700. For every visit to your primary health care provider you have to pay a 20% coinsurance. The plan also covers inpatient hospital stay for both acute disease as well as psychiatric for a $0 copay after the third day. The plan also covers your prescription drugs, with a deductible of $435. The deductible is applicable to preferred brand, non preferred drug, and specialty tier. For generic and brand name you have to pay a coinsurance of 25%. Along with all the basic benefits of dental as well as vision care, the plan also covers your transportation costs and helps you limit your out of pocket expenses.

Humana Choice H5216-163 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $34. The annual deductible for the plan is $1000, along with a maximum out of pocket expense of $6700. While visiting your primary doctor you have to pay a copay of $10 for an inside the network doctor. It would cost you 50% coinsurance for referring a doctor out of your plan’s network. The plan also covers your prescription drugs, with a deductible of $195. The deductible is applicable to non preferred drug and specialty tier. For generic and brand name you have to pay a coinsurance of 25%. The plan also provides cardiac and pulmonary rehabilitation services, occupational therapy services, as well as speech therapy services. The plan also covers up to 100 days of Skilled Nursing Facility.

 

Humana choice H5216-083 (PPO)

With an overall rating of 4, the plan is available at a monthly premium of $75. This preferred provider organisation plan has an annual deduction of $1000 and an out of pocket maximum of $6700.  While visiting your primary doctor you have to pay a copay of $10 for an inside the network doctor. The plan covers inpatient hospital services, providing services for both acute diseases as well as psychiatric care. The plan covers your prescription drugs as well, with a deductible of $195. The deductible is applicable to non-preferred drug and specialty tier. The plan provides dental care, vision services, hearing services, over the counter benefits, fitness benefits as well as enrollment into the SilverSneakers program as well.

 

Humana Choice R1532-002 (PPO)

With an overall rating of 3, the plan is available at a monthly premium of $90. The plan has an annual in-network deduction of $1000, along with an out of pocket maximum of 6700. You do not have to pay anything, while visiting your primary health care provider inside the network of your plan. The plan covers prescription drugs as well with a deductible of $390. The plan covers oral exams, prophylaxis, fluoride treatment, dental x-rays, medicare covered benefits, restorative services, periodontics, extractions, prosthodontics, eye exams, eyewear, contact lenses, glaucoma screening, hearing exams, over the counter benefits as well as fitness benefits.