Medicare 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 Arizona are discussed below.
- Humana Gold Plus H0028-027 (HMO)
With an overall rating of 4.3, Humana Gold plus plan offers a monthly premium of $0. This Health Maintenance Organisation plan requires you to have a primary care provider, who would have the overall picture of your health at all given times. You can choose any doctor to be your primary care provider, provided he lies in the network of the plan. You do not have to pay any co-pay while visiting your primary provider. The plan provides an out of pocket maximum expense of $6700, which is quite affordable. It also provides prescription drug coverage, dental care, vision care, and over the counter benefits as well.
- Humana Honor (PPO)
With an overall rating of 4.2, 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.
- HumanaChoice R7220-001 (Regional PPO)
With an overall rating of 3.4, the plan has a monthly premium of $0. It has an annual in-network deductible of $599, along with an out of pocket maximum of $6700. There is a $15 copay, whenever you would visit your primary doctor. Emergency ambulance services and air ambulance services are also covered in this plan at a minimal copay and coinsurance. Along with pulmonary rehabilitation services, occupational therapy services, physical therapy, speech and language therapy services are also covered under this plan at $40 copay. However, prescription drugs are not covered under this plan.
- Humana Gold Plus H0028-028 (HMO)
With an overall rating of 4.3, the plan is offered by Humana at a monthly premium of $0. This plan has no annual deductible and an out of pocket maximum expense of $6700. It covers all of your primary doctor expenses and you have to pay nothing while visiting your primary care provider. You do have to pay $40 copay when visiting a specialist. The plan also provides services like dental services, vision care services, hearing services, over the counter benefits, fitness programs, and prescription drug coverage as well.
- Humana Value Plus H5216-197 (PPO)
With an overall rating of 4, the plan is offered at a monthly premium of $18.30. This plan charges the medicare defined annual deductible amount of part B of your medicare. It also has a maximum out of pocket expense of $6700. Along with providing prescription drug coverage, it also covers in-hospital care for both acute as well as psychiatric services. You have to pay a 25% coinsurance for generic or brand name drugs. It also covers home health services and preventive care at a $0 copay. The plan has a network of nurses, pharmacies, doctors. Using the in-network services you would pay much less for the covered services. It also covers your transportation costs thus saving your out of pocket expense.
- Humana Gold Plus H0028-020 (HMO)
With an overall rating of 4.2, the plan is offered at a monthly premium of $72. This plan has no annual deductible, and an out of pocket maximum of $4900. While visiting a primary care doctor you might have to pay a mere copay ranging between $5 to $10. The plan covers prescription drug services as well and has a deductible of $205. The deductible is applicable to preferred brand, non-preferred drug or specialty tier. For generic or brand name drugs you have to pay a coinsurance of 5%. It provides Medicare-covered dental benefits, eye exams glaucoma screening, or hearing exams. Along with this it also provides various fitness benefits absolutely free of cost and covers your transportation costs as well.
- Humana Choice R7220-002 (Regional PPO)
With an overall rating of 4.2, the plan is offered at a monthly premium of $94. This regional PPO plan has no annual deductible, and a maximum out of pocket expense of $6700. You have to pay a $15 copay while visiting your primary doctor. The plan covers your prescription drug coverage and provides a deductible of $435. It is available to the generic, preferred brand, non preferred drug, and specialty tier as well. The plan also covers your annual lab tests, therapeutic radiology services like a CT scan or MRI scan, outpatient surgery services and rehabilitation services as well. The plan also covers meals, which is an added benefit. It covers up to 40 meals, for 20 days.
- Humana Choice H5216-034 (PPO)
With an overall rating of 4, the plan is available at a monthly premium of $114. This preferred provider organisation plan has no annual deduction and an out of pocket maximum of $6700. 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 $225. The deductible is applicable to preferred brand, 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.