2016 Humana Gold Choice H8145-120 (PFFS) H8145-120 By Humana Insurance Company

2016 Medicare Advantage Humana Gold Choice H8145-120 (PFFS)

Humana Gold Choice H8145-120 (PFFS) H8145-120 is a 2016 Medicare Advantage or Medicare Part-C plan by Humana Insurance Company available to residents in Arkansas Colorado Kansas Missouri Oklahoma. This plan does not provide additional Medicare prescription drug (Part-D) coverage. The Humana Gold Choice H8145-120 (PFFS) has a monthly premium of $22.00 and has a in-network Maximum Out-of-Pocket limit of N/A (MOOP). This means that if you get sick or need a high cost procedure your co-pays are capped once you pay out of pocket N/A this can be a very nice safety net.

Humana Gold Choice H8145-120 (PFFS) is a PFFS *. A Private Fee-For-Service (PFFS) plan is a Medicare Advantage (MA) health plan offered by a contract with the Centers for Medicare & Medicaid Services (CMS) to provide you with benefits. Humana Insurance Company (instead of Medicare) will decide on how much it will cover and how much you will pay for the services you get. You may go to any Medicare approved doctor or hospital or any other health care provider that accepts both Medicare and your plans payment. A PFFS plan has no provider network, and you dont need a referral or a primary care physician for any health care or services. PFFS plans are the most flexible but a doctor will make a visit-by-visit decisions on whether to accept your provider.

This plan from Humana Insurance Company works with Medicare to give you significant coverage beyond Part A and Part B benefits. If you decide to sign up for Humana Gold Choice H8145-120 (PFFS) you still retain Original Medicare. But you will get additional Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from Humana Insurance Company and not Original Medicare. With Medicare Advantage plans your always covered for urgently needed and emergency care and you receive all of the benefits of Original Medicare from this plan except hospice care. Original Medicare still provides you with hospice care even if you sign up for a Medicare Advantage Plan.



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2016 Humana Insurance Company Medicare Advantage Plan Details

Plan Name:
Humana Gold Choice H8145-120 (PFFS)
Plan ID:
H8145-120
Provider:Humana Insurance Company
Parent:Humana Inc.
Plan Year:2016
Plan Type: PFFS *
Monthly Premium C+D: $22.00
MOOP: N/A




Plan Services



Monthly premium deductible and limits on how much you pay for covered services


$22.00 per month. In addition you must keep paying your Medicare Part B premium. This plan has deductibles for some hospital and medical services. $150 per year for in-network services. $150 per year for out-of-network services. Yes. Like all Medicare health plans our plan protects you by having yearly limits on your out-of-pocket costs for medical and hospital care. Your yearly limit(s) in this plan:
  • $6 700 for services you receive from any provider.
If you reach the limit on out-of-pocket costs you keep getting covered hospital and medical services and we will pay the full cost for the rest of the year.

Please note that you will still need to pay your monthly premiums. Our plan has a coverage limit every year for certain benefits from any provider. Contact us for services that apply.


Doctor's office visits


Primary care physician visit:
  • In-network:  $10 copay
  • Out-of-network:  40% of the cost
Specialist visit:
  • In-network:  $50 copay
  • Out-of-network:  40% of the cost


Durable medical equipment (wheelchairs oxygen etc.)


  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
If you go to a preferred vendor your cost may be less. Contact us for a list of preferred vendors.


Emergency care


$75 copay


Foot care (podiatry services)


Foot exams and treatment if you have diabetes-related nerve damage and/or meet certain conditions:
  • In-network:  $50 copay
  • Out-of-network:  40% of the cost


Hearing services


Exam to diagnose and treat hearing and balance issues:
  • In-network:  $50 copay
  • Out-of-network:  40% of the cost


Home health care


  • In-network:  You pay nothing
  • Out-of-network:  40% of the cost


Mental health care


Inpatient visit: Our plan covers up to 190 days in a lifetime for inpatient mental health care in a psychiatric hospital. The inpatient hospital care limit does not apply to inpatient mental services provided in a general hospital. Our plan covers 90 days for an inpatient hospital stay. Our plan also covers 60 "lifetime reserve days." These are "extra" days that we cover. If your hospital stay is longer than 90 days you can use these extra days. But once you have used up these extra 60 days your inpatient hospital coverage will be limited to 90 days.
  • In-network:  
    • $310 copay per day for days 1 through 5
    • You pay nothing per day for days 6 through 90
    • Out-of-network:  
      • 40% of the cost per stay
      Outpatient group therapy visit:
      • In-network:  $40 copay
      • Out-of-network:  40% of the cost
      Outpatient individual therapy visit:
      • In-network:  $40 copay
      • Out-of-network:  40% of the cost


Outpatient rehabilitation


Cardiac (heart) rehab services (for a maximum of 2 one-hour sessions per day for up to 36 sessions up to 36 weeks):
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost
Occupational therapy visit:
  • In-network:  $35-40 copay depending on the service
  • Out-of-network:  40% of the cost
Physical therapy and speech and language therapy visit:
  • In-network:  $35-40 copay depending on the service
  • Out-of-network:  40% of the cost


Outpatient substance abuse


Group therapy visit:
  • In-network:  $40-50 copay or 20% of the cost depending on the service
  • Out-of-network:  40% of the cost
Individual therapy visit:
  • In-network:  $40-50 copay or 20% of the cost depending on the service
  • Out-of-network:  40% of the cost


Outpatient surgery


Ambulatory surgical center:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost
Outpatient hospital:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost


Acupuncture


Not covered


Over-the-counter items


Please visit our website to see our list of covered over-the-counter items.


Prosthetic devices (braces artificial limbs etc.)


Prosthetic devices:
  • In-network:  20% of the cost
  • Out-of-network:  20-40% of the cost depending on the device
Related medical supplies:
  • In-network:  20% of the cost
  • Out-of-network:  20-40% of the cost depending on the supply


Renal dialysis


  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost


Transportation


Not covered


Urgently needed services


$10-50 copay or 40% of the cost (up to $65) depending on the service


Vision services


Exam to diagnose and treat diseases and conditions of the eye (including yearly glaucoma screening):
  • In-network:  $0-50 copay depending on the service
  • Out-of-network:  40% of the cost
Routine eye exam:
  • In-network:  You pay nothing. You are covered for up to 1 every year.
  • Out-of-network:  You pay nothing.  There may be a limit to how often these services are covered.
Our plan pays up to $130 every year for routine eye exams from any provider. Eyeglasses or contact lenses after cataract surgery:
  • In-network:  20% of the cost
  • Out-of-network:  40% of the cost


Preventive care


  • In-network:  You pay nothing
  • Out-of-network:  0-40% of the cost depending on the service
Our plan covers many preventive services including:
  • Abdominal aortic aneurysm screening
  • Alcohol misuse counseling
  • Bone mass measurement
  • Breast cancer screening (mammogram)
  • Cardiovascular disease (behavioral therapy)
  • Cardiovascular screenings
  • Cervical and vaginal cancer screening
  • Colorectal cancer screenings (Colonoscopy Fecal occult blood test Flexible sigmoidoscopy)
  • Depression screening
  • Diabetes screenings
  • HIV screening
  • Medical nutrition therapy services
  • Obesity screening and counseling
  • Prostate cancer screenings (PSA)
  • Sexually transmitted infections screening and counseling
  • Tobacco use cessation counseling (counseling for people with no sign of tobacco-related disease)
  • Vaccines including Flu shots Hepatitis B shots Pneumococcal shots
  • "Welcome to Medicare" preventive visit (one-time)
  • Yearly "Wellness" visit
Any additional preventive services approved by Medicare during the contract year will be covered.


Hospice


You pay nothing for hospice care from a Medicare-certified hospice. You may have to pay part of the cost for drugs and respite care.


Inpatient hospital care


Our plan covers an unlimited number of days for an inpatient hospital stay.
  • In-network:  
    • $350 copay per day for days 1 through 5
    • You pay nothing per day for days 6 through 90
    • You pay nothing per day for days 91 and beyond
    • Out-of-network:  
      • 40% of the cost per stay


Inpatient mental health care


For inpatient mental health care see the "Mental Health Care" section.


Skilled Nursing Facility (SNF)


Our plan covers up to 100 days in a SNF.
  • In-network:  
    • You pay nothing per day for days 1 through 20
    • $160 copay per day for days 21 through 100
    • Out-of-network:  
      • 40% of the cost per stay


Outpatient prescription drugs


For Part B drugs such as chemotherapy drugs:
  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
Other Part B drugs:
  • In-network:  20% of the cost
  • Out-of-network:  20% of the cost
Our plan does not cover Part D prescription drug.


Ambulance


  • In-network:  $300 copay
  • Out-of-network:  $300 copay


Chiropractic care


Manipulation of the spine to correct a subluxation (when 1 or more of the bones of your spine move out of position):
  • In-network:  $20 copay
  • Out-of-network:  40% of the cost


Dental services


Limited dental services (this does not include services in connection with care treatment filling removal or replacement of teeth):
  • In-network:  $50 copay
  • Out-of-network:  40% of the cost
Preventive dental services:
  • Cleaning:
    • In-network:  You pay nothing. You are covered for up to 1 every year.
    • Out-of-network:  50% of the cost
  • Dental x-ray(s):
    • In-network:  You pay nothing. You are covered for up to 1 every year.
    • Out-of-network:  50% of the cost
  • Oral exam:
    • In-network:  You pay nothing. You are covered for up to 1 every year.
    • Out-of-network:  50% of the cost


    Diabetes supplies and services


    Diabetes monitoring supplies:
    • In-network:  0-20% of the cost depending on the supply
    • Out-of-network:  20-40% of the cost depending on the supply
    Diabetes self-management training:
    • In-network:  You pay nothing
    • Out-of-network:  40% of the cost
    Therapeutic shoes or inserts:
    • In-network:  $10 copay
    • Out-of-network:  20-40% of the cost depending on the supply


    Diagnostic tests lab and radiology services and x-rays (Costs for these services may be different if received in an outpatient surgery setting)


    Diagnostic radiology services (such as MRIs CT scans):
    • In-network:  $50-350 copay or 20% of the cost depending on the service
    • Out-of-network:  40% of the cost
    Diagnostic tests and procedures:
    • In-network:  $10-50 copay or 0-20% of the cost depending on the service
    • Out-of-network:  40% of the cost
    Lab services:
    • In-network:  $0-50 copay or 25% of the cost depending on the service
    • Out-of-network:  40% of the cost
    Outpatient x-rays:
    • In-network:  $10-50 copay or 20% of the cost depending on the service
    • Out-of-network:  40% of the cost
    Therapeutic radiology services (such as radiation treatment for cancer):
    • In-network:  $50 copay or 20% of the cost depending on the service
    • Out-of-network:  40% of the cost




    Coverage Area for Humana Gold Choice H8145-120 (PFFS)

    (Click county to compare all available plans)





    Ratings for Humana Gold Choice H8145-120 (PFFS) H8145

    2016 Overall Rating
    Part C Summary Rating
    Part D Summary Rating
    Staying Healthy: Screenings, Tests, Vaccines
    Managing Chronic (Long Term) Conditions
    Member Experience with Health Plan
    Complaints and Changes in Plans Performance
    Health Plan Customer Service
    Drug Plan Customer Service
    Complaints and Changes in the Drug Plan
    Member Experience with the Drug Plan
    Drug Safety and Accuracy of Drug Pricing


    Member Experience with Health Plan

    Total Experience Rating
    Getting Needed Care
    Timely Care and Appointments
    Customer Service
    Health Care Quality
    Rating of Health Plan
    Care Coordination


    Member Complaints and Changes in Humana Gold Choice H8145-120 (PFFS) Plans Performance

    Total Rating
    Members Leaving the Plan
    Complaints about Health Plan
    Beneficiary Access
    Health Plan Quality Improvement


    Health Plan Customer Service Rating for Humana Gold Choice H8145-120 (PFFS)

    Total Customer Service Rating
    Timely Decisions About Appeals
    Reviewing Appeals Decisions
    Call Center, TTY, Foreign Language


    Staying Healthy, Screening, Testing, & Vaccines

    Total Preventative Rating
    Breast Cancer Screening
    Colorectal Cancel Screening
    Annual Flu Vaccine
    Improving Physical
    Improving Mental Health
    Monitoring Physical Activity
    Adult BMI Assessment


    Managing Chronic And Long Term Care for Older Adults

    Total Rating
    SNP Care Management
    Medication Review
    Functional Status Assessment
    Pain Screening
    Osteoporosis Management
    Diabetes Care - Eye Exam
    Diabetes Care - Kidney Disease
    Diabetes Care - Blood Sugar
    Controlling Blood Pressure
    Rheumatoid Arthritis
    Improving Bladder Control
    Reducing Risk of Falling
    Plan - Cause Readmissions


    Member Experience with the Drug Plan

    Total Rating
    Rating of Drug Plan
    Getting Needed Prescription Drugs


    Drug Safety and Accuracy of Drug Pricing

    Total Rating
    MPF Price Accuracy
    High Risk Medication
    Drug Adherence for Diabetes Medications
    Drug Adherence for Hypertension (RAS antagonists)
    Drug Adherence for Cholesterol (Statins)
    MTM Program Completion Rate for CMR


    Ratings For Member Complaints and Changes in the Drug Plans Performance

    Total Rating
    Complaints about the Drug Plan
    Members Choosing to Leave the Plan
    Beneficiary Access
    Drug Plan Quality Improvement


    Humana Gold Choice H8145-120 (PFFS) Drug Plan Customer Service ratings

    Total Rating
    Appeals Auto Forward
    Appeals Upheld
    Call Center, TTY, Foreign Language


    Source: CMS.

    Plans as of September 9, 2015

    Star Rating as of September 30, 2015.

    For More Information on Ratings Please See the CMS Tech Notes Here.

    Notes: Data are subject to change as contracts are finalized. For 2016, enhanced alternative plans may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part D benefit

    Includes 2016 approved contracts/plans. Employer sponsored 800 series plans and plans under sanction are excluded.

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