HUMANA ADVANTAGE PLANS IN KNOXVILLE

Original 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.  the Humana Medicare Advantage plans in the city of Knoxville is discussed below.

 

  1. Humana Honor (HMO)

With an overall rating of 4, the Humana honor plan has a monthly premium of $0. The plan does not have an annual deductible and has an out of pocket maximum of $5900. Under this plan, you also have to pay a $0 copay for visiting your primary doctor, and a $35 copay for visiting a specialist. Humana Honor plan provides added services like dental coverage, oral exams, vision care, hearing services, and chiropractic 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.

 

  1. Humana Gold Plus H4461-035 (HMO)

With an overall rating of 4.2, the plan is offered at a monthly premium of $0. The plan has no annual deductible and a maximum out of pocket expense of $6700 for in-network providers. You do not have to pay a copay of $5 while visiting your primary health care provider and a copay of $45 while visiting a specialist. The plan also covers prescription drug services as well, with no deductible. For generic and brand name drugs, you have to pay a coinsurance of 25%. The plan covers all of your urgently needed services as well as emergency ambulance services as well. The plan covers medicare covered dental services, oral exams, eye exams, eyewear, glaucoma screening, hearing exams, hearing aids, and over the counter benefits of $25 every three months.

 

  1. Humana Honor (Regional PPO)

With an overall rating of 4, the Humana honor plan has a monthly premium of $0. It is a regional preferred provider organisation plan, which lets you choose a healthcare provider of your choice. Since the plan is regional, you would have to choose one within your own region. The plan has an annual deductible of $500, and an out of pocket maximum of $3400. Under this plan, you also have to pay a $10 copay for visiting your primary doctor, and $30 for visiting a specialist. Humana Honour plan provides added services like dental coverage, oral exams, vision care, hearing 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.

 

  1. Humana Gold Plus H4461-031 (HMO)

With an overall rating of 4, the plan is offered at a monthly premium of $40. This plan has no annual deductible, and an out of pocket maximum of $6700. While visiting a primary care doctor you have to pay a copay of $5 and for a specialist a copay of $40. The plan covers prescription drug services as well with no deductible. For generic or brand name drugs you have to pay a coinsurance of 25%. 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 chiropractic services as well.

 

  1. Humana Choice H5216-099 (PPO)

With an overall rating of 4, the plan is offered at a monthly premium of $58. The plan has an annual deductible of $750 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 $40. The plan includes prescription drug services as well with a deductible amount of $150.  The deductible is applicable to preferred brand, non-preferred drug, or 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.

 

  1. Humana Choice R7315-002 (Regional PPO)

With an overall rating of 3.3, the plan is offered at a monthly premium of $99. With an annual deductible of $1000, the plan has a maximum out of pocket expense of $6700. This regional PPO plan gives you the flexibility of choosing any health care provider of your choice, at a copay of $20, and a specialist at a copay of $45. Along with covering in-hospital stay for an acute disease, the plan also covers psychiatric hospital stay at a $0 copay after the fifth day. The prescription drugs are also covered under this plan, with a deductible of $400. It is applicable to generic, preferred brand, non-preferred drug, and specialty tier as well. Extra benefits include vision care, hearing services, over the counter benefits, dental care, and fitness benefits as well.

 

  1. Humana Gold Plus H4461-030 (HMO)

With an overall rating of 4.3, Humana Gold plus plan offers a monthly premium of $106. 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. The plan does not have an annual deductible and an out of pocket expense of $3400. You do not have to pay any co-pay while visiting your primary provider and have to pay a $40 copay while visiting a specialist. It also provides prescription drug coverage, dental care, vision care, and over the counter benefits as well.

 

  1. Humana Gold Plus SNP-DE H4461-022 (HMO D-SNP)

With an overall rating of 4 stars, this plan is offered at a monthly premium of $0. This gold plus plan is Special needs Plan which is specially added for people with particular chronic diseases. Not everybody is allowed to enrol in such plans. If you have a chronic disease like heart failure or end-stage renal disease, you can enrol in this plan. The special needs plan is specifically designed to cater to your needs depending on your particular situation. You have to pay a $0 copay while visiting your primary or specialty doctor. The plan also covers in-hospital stay and several chiropractic services as well. Along with covering the transportation costs, dental services, vision services, hearing services, over-the-counter benefits and fitness benefits are also covered in this plan. The plan also covers all of your prescription drug cost as well, provided you use the in-network pharmacies. The plan also provides preventive and home health care services at $0 copay.