2019 Humana Gold Choice H8145-084 (PFFS) H8145-084 By Humana

2019 Medicare Advantage Plan Services for
Humana Gold Choice H8145-084 (PFFS)


Humana Gold Choice H8145-084 (PFFS) H8145-084 is a 2019 Medicare Advantage or Medicare Part-C plan by Humana available to residents in Texas. This plan includes additional Medicare prescription drug (Part-D) coverage. The Humana Gold Choice H8145-084 (PFFS) has a monthly premium of $116.00 and has an in-network Maximum Out-of-Pocket limit of $- (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $- out of pocket. This can be a extremely nice safety net.

Humana Gold Choice H8145-084 (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 (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.

Humana works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for Humana Gold Choice H8145-084 (PFFS) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from Humana and not Original Medicare. With Medicare Advantage Plans you are always covered for urgently needed and emergency care. Plus you receive all of the benefits of Original Medicare from Humana 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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2019 Humana Medicare Advantage Plan Details

Name:
Humana Gold Choice H8145-084 (PFFS)
ID:
H8145-084
Provider:Humana
Year:2019
Type: PFFS
Monthly Premium C+D: $116.00
Part C Premium:$76.50
MOOP: $-
Part D (Drug) Premium:$25.60
Part D Supplemental Premium$13.90
Total Part D Premium:$39.50
Drug Deductible:$250.00
Tiers with No Deductible:1
Gap Coverage:No
Initial Coverage Limit:$3820
Benchmark:not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced






Part-C Premium

Humana plan charges a $76.50 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.



Part-D Deductible and Premium

Humana Gold Choice H8145-084 (PFFS) has a monthly drug premium of $25.60 and a $250.00 drug deductible. This Humana plan offers a $25.60 Part D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $13.90 this Premium covers any enhanced plan benefits offered by Humana above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $39.50. The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lower due to negative basic or supplemental premiums.



Premium Assistance

Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The Humana Gold Choice H8145-084 (PFFS) medicare insurance offers a $15.50 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $21.50 for 75% low income subsidy $27.50 for 50% and $33.50 for 25%.



Full LIS Premium:$15.50
75% LIS Premium:$21.50
50% LIS Premium:$27.50
25% LIS Premium:$33.50


Gap Coverage

In 2019 once you and your plan provider have spent $3820 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for brand-name drugs and 37% on generic drugs unless your plan offers additional coverage. This Humana plan does not offer additional coverage through the gap.





Plan Services




Health plan deductible


$0



Emergency care/Urgent care


Emergency $90 per visit (always covered)
Urgent care $15-50 or 30% per visit (always covered)



Diagnostic procedures/lab services/imaging


Diagnostic tests and procedures Out-of-Network $20-50 or 30%
Diagnostic tests and procedures In-Network $0-50
Lab services Out-of-Network $20-50 or 30%
Lab services In-Network $0-50
Diagnostic radiology services (e.g., MRI) Out-of-Network $50 or 30%
Diagnostic radiology services (e.g., MRI) In-Network $45-325
Outpatient x-rays Out-of-Network $20-50 or 30%
Outpatient x-rays In-Network $15-50



Hearing


Hearing exam Out-of-Network $50
Hearing exam In-Network $45
Fitting/evaluation Not covered
Hearing aids - inner ear Not covered
Hearing aids - outer ear Not covered
Hearing aids - over the ear Not covered



Preventive dental


Oral exam Not covered
Cleaning Not covered
Fluoride treatment Not covered
Dental x-ray(s) Not covered



Comprehensive dental


Non-routine services Not covered
Diagnostic services Not covered
Restorative services Not covered
Endodontics Not covered
Periodontics Not covered
Extractions Not covered
Prosthodontics, other oral/maxillofacial surgery, other services Not covered



Vision


Routine eye exam Out-of-Network $0 copay
Routine eye exam In-Network $0 copay
Other Not covered
Contact lenses Not covered
Eyeglasses (frames and lenses) Not covered
Eyeglass frames Not covered
Eyeglass lenses Not covered
Upgrades Not covered



Mental health services


Inpatient hospital - psychiatric Out-of-Network $318 per day for days 1 through 5
$0 per day for days 6 through 90
Inpatient hospital - psychiatric In-Network $318 per day for days 1 through 5
$0 per day for days 6 through 90
Outpatient group therapy visit with a psychiatrist Out-of-Network $50
Outpatient group therapy visit with a psychiatrist In-Network $40
Outpatient individual therapy visit with a psychiatrist Out-of-Network $50
Outpatient individual therapy visit with a psychiatrist In-Network $40
Outpatient group therapy visit Out-of-Network $50
Outpatient group therapy visit In-Network $40
Outpatient individual therapy visit Out-of-Network $50
Outpatient individual therapy visit In-Network $40



Skilled Nursing Facility


Out-of-Network $0 per day for days 1 through 20
$172 per day for days 21 through 100
In-Network $0 per day for days 1 through 20
$172 per day for days 21 through 100



Rehabilitation services


Occupational therapy visit Out-of-Network $50 or 30%
Occupational therapy visit In-Network $25
Physical therapy and speech and language therapy visit Out-of-Network $50 or 30%
Physical therapy and speech and language therapy visit In-Network $25



Ground ambulance


Out-of-Network $265
In-Network $265



Other health plan deductibles?


In-Network No



Transportation


Not covered



Foot care (podiatry services)


Foot exams and treatment Out-of-Network $50
Foot exams and treatment In-Network $45
Routine foot care Not covered



Medical equipment/supplies


Durable medical equipment (e.g., wheelchairs, oxygen) Out-of-Network 20% per item
Durable medical equipment (e.g., wheelchairs, oxygen) In-Network 20% per item
Prosthetics (e.g., braces, artificial limbs) Out-of-Network 20% per item
Prosthetics (e.g., braces, artificial limbs) In-Network 20% per item
Diabetes supplies Out-of-Network 20% per item
Diabetes supplies In-Network $0 or 10-20% per item



Wellness programs (e.g., fitness, nursing hotline)


Covered



Medicare Part B drugs


Chemotherapy Out-of-Network 20%
Chemotherapy In-Network 20%
Other Part B drugs Out-of-Network 20%
Other Part B drugs In-Network 20%



Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)


$6,700 In and Out-of-network



Optional supplemental benefits


Yes



Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?


In-Network No



Inpatient hospital coverage


Out-of-Network $325 per day for days 1 through 5
$0 per day for days 6 through 90
In-Network $325 per day for days 1 through 5
$0 per day for days 6 through 90
$0 per day for days 91



Outpatient hospital coverage


Out-of-Network $20-50 or 30% per visit
In-Network $325 per visit



Doctor visits


Primary Out-of-Network $20 per visit
Primary In-Network $15 per visit
Specialist Out-of-Network $50 per visit
Specialist In-Network $45 per visit



Preventive care


Out-of-Network $0 or 30%
In-Network $0 copay




Ratings for Humana Gold Choice H8145-084 (PFFS) H8145

2018 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


Staying Healthy, Screening, Testing, & Vaccines

Total Preventative Rating
Breast Cancer Screening
Colorectal Cancer 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
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Plan All-Cause Readmissions
Statin Therapy


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 H8145-084 (PFFS) Plans Performance

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


Health Plan Customer Service Rating for Humana Gold Choice H8145-084 (PFFS)

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


Humana Gold Choice H8145-084 (PFFS) Drug Plan Customer Service ratings

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


Ratings For Member Complaints and Changes in the Drug Plans Performance

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


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
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR
Statin with Diabetes


Coverage Area for Humana Gold Choice H8145-084 (PFFS)

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Source: CMS.
Data as of September 2, 2018.
Star Rating as of October 10, 2018.
For More Information on Ratings Please See the CMS Tech Notes.
Notes: Data are subject to change as contracts are finalized. For 2019, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part D benefit. Includes 2019 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

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