Medicare is provided by the federal government of the United States to its citizens who are 65 years of age and older, or for those suffering from an end-stage renal disease. The medicare covers all of your medicare as well as hospital charges. However, in the past decade, many people have switched to Medicare Advantage plans. These plans are advantageous plans and provide extra benefits to their customers. Along with covering all of the original medicare services, the plans also cover extra benefits like prescription drug services, eye tests, glaucoma screening, fitness benefits, routine dental checkups, meals, and much more. Not only these plans are more beneficial but are also provided at a very affordable monthly premium by private organisations. One such private organisation is Humana Medicare, which is one of the biggest in the United States. Serving more than 13 million people, Humana has plans in all the 50 states of the US. Humana Medicare Advantage plans in Los Angeles are discussed below.
- Humana Gold Plus H5619-021 (HMO)
With an overall rating of 4, this plan is offered at a monthly premium of $0. The plan has no annual deductible and a maximum out of pocket expense of $990. For visiting your primary care provider or a specialist you have to pay a $0 copay. The plan also covers prescription drug services, with no deductible amount. For generic and brand name drugs you have to pay a coinsurance of 5%. 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. Transportation services are also covered under this plan, with up to 50 trips every year.
- 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, the plan is offered at a monthly premium of $16.80. The plan has a monthly deductible equal to the Part B deductible amount mentioned in medicare, and an out of pocket maximum of $6700 for in-network providers. You do not have to pay any copay while visiting your primary health care provider or any specialist. The plan covers prescription drug coverage with a deductible of $435. The deductible amount is applicable to generic, preferred brand, non preferred drug and specialty tier. For generic and brand name drugs you have to pay a coinsurance of 5%. The plan also covers cardiac and pulmonary rehabilitation services, occupational therapy services, physical therapy services as well as speech therapy services at 20% coinsurance. Along with covering up to 40 meals over a span of 20 days, acupuncture services are also included in the plan, along with transportation services.