Medicare Advantage plans are extra beneficial plans which are provided by private organisations. These private organisations are certified by the government. The Medicare Advantage plans not only organise your original medicare but also provide benefits like dental services, vision care, chiropractic services, over the counter benefits, meals, acupuncture services, and much more. There are many organisations which compete in this sector, due to which you can avail Medicare Advantage plans at a monthly premium as low as $0. Humana Medicare Advantage plans are offered all over the United States. The plans, however, differ from region to region. Humana Medicare Advantage plans offered in El Cajon are discussed below.
1. Humana Gold Plus H5619-016 (HMO)
With an overall rating of 4, the plan is offered at a monthly premium of $0. The plan does not have a monthly deductible, and an out of pocket maximum of $2900 for in-network providers. You have to pay a copay of $5 while visiting your primary health care and a copay of $15 while visiting a specialist. The plan covers prescription drug coverage with a deductible of $0. For generic and brand name drugs you have to pay a coinsurance of 25%. 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, transportation services are also included in the plan.
2. 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.
3. Humana Value Plus H5619-037 (HMO)
With an overall rating of 4, this plan is offered at a monthly premium of $16.80. The plan has medicare defined part B annual deductible and a maximum out of pocket expense of $6700. For visiting your primary care provider you have to pay a $0 copay and a $0 copay for a specialist doctor. 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, transportation services as well as SilverSneakers program, also providing the skilled nursing facility at a $0 copay for the first twenty days.