2021 HumanaChoice R4182-003 (Regional PPO) R4182-003 By Humana.

Summary of Benefits for
2021 HumanaChoice R4182-003 (Regional PPO)


HumanaChoice R4182-003 (Regional PPO) R4182-003 is a 2021 Medicare Advantage Plan or Medicare Part-C plan by Humana available to residents in Texas. This plan includes additional Medicare prescription drug (Part-D) coverage. The HumanaChoice R4182-003 (Regional PPO) has a monthly premium of $93.00 and has an in-network Maximum Out-of-Pocket limit of $7,200 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $7,200 out of pocket. This can be a extremely nice safety net.

HumanaChoice R4182-003 (Regional PPO) is a Regional PPO. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of "preferred" providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.

Humana works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for HumanaChoice R4182-003 (Regional PPO) 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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2021 Humana Medicare Advantage Plan Costs

Name:
HumanaChoice R4182-003 (Regional PPO)
Plan ID:
R4182-003
Provider:Humana
Year:2021
Type: Regional PPO
Monthly Premium C+D: $93.00
Part C Premium: $52.00
MOOP: $7,200
Part D (Drug) Premium: $41.00
Part D Supplemental Premium $0
Total Part D Premium: $41.00
Drug Deductible: $175.0
Tiers with No Deductible:1
Gap Coverage:No
Benchmark:not below the regional benchmark
Type of Medicare Health:Enhanced Alternative
Drug Benefit Type:Enhanced
Similar Plan: R4182-004




HumanaChoice R4182-003 (Regional PPO) Part-C Premium

Humana plan charges a $52.00 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.



R4182-003 Part-D Deductible and Premium

HumanaChoice R4182-003 (Regional PPO) has a monthly drug premium of $41.00 and a $175.0 drug deductible. This Humana plan offers a $41.00 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 $0 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 $41.00. 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.



Humana Gap Coverage

In 2021 once you and your plan provider have spent $4130 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 prescription drugs unless your plan offers additional coverage. This Humana plan does not offer additional coverage through the gap.



Premium Assistance

The Low Income Subsidy (LIS) helps people with Medicare pay for prescription drugs, and lowers the costs of Medicare prescription drug coverage. Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The HumanaChoice R4182-003 (Regional PPO) medicare insurance offers a $18.50 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $24.10 for 75% low income subsidy $29.80 for 50% and $35.40 for 25%.



Full LIS Premium: $18.50
75% LIS Premium: $24.10
50% LIS Premium: $29.80
25% LIS Premium: $35.40


R4182-003 Formulary or Drug Coverage

HumanaChoice R4182-003 (Regional PPO) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier Copay
Preferred
Pharmacy
Copay
Nonpreferred
Pharmacy
Tier 1 $7 $10
Tier 2 $12 $20
Tier 3 $47 $47
Tier 4 $99 $100
Tier 5 30% 30%
*Initial Coverage Phase and 30 day supply







2021 HumanaChoice R4182-003 (Regional PPO) Summary of Benefits




Additional Benefits


No



Comprehensive Dental


Diagnostic services Not covered
Endodontics Not covered
Extractions Not covered
Non-routine services Not covered
Periodontics Not covered
Prosthodontics, other oral/maxillofacial surgery, other services Not covered
Restorative services 50% coinsurance
Restorative services 55% coinsurance (Out-of-Network)



Deductible


$750 annual deductible



Diagnostic Tests and Procedures


Diagnostic radiology services (e.g., MRI) 40% coinsurance (Out-of-Network)
Diagnostic radiology services (e.g., MRI) $45-325 copay
Diagnostic tests and procedures $0 copay or 20-40% coinsurance (Out-of-Network)
Diagnostic tests and procedures $0-100 copay
Lab services 40% coinsurance (Out-of-Network)
Lab services $0-50 copay
Outpatient x-rays 40% coinsurance (Out-of-Network)
Outpatient x-rays $15-95 copay



Doctor Visits


Primary $15 copay per visit
Primary 40% coinsurance per visit (Out-of-Network)
Specialist 40% coinsurance per visit (Out-of-Network)
Specialist $45 copay per visit



Emergency care/Urgent Care


Emergency $90 copay per visit (always covered)
Urgent care $15-45 copay or 40% coinsurance per visit (always covered)



Foot Care (podiatry services)


Foot exams and treatment 40% coinsurance (Out-of-Network)
Foot exams and treatment $45 copay
Routine foot care Not covered



Ground Ambulance


$265 copay
$265 copay (Out-of-Network)



Hearing


Fitting/evaluation $0 copay
Fitting/evaluation $0 copay (Out-of-Network)
Hearing aids $699-999 copay (Out-of-Network)
Hearing aids $699-999 copay
Hearing exam $45 copay
Hearing exam 40% coinsurance (Out-of-Network)



Inpatient Hospital Coverage


$325 per day for days 1 through 5
$0 per day for days 6 through 90
$0 per day for days 91 and beyond
40% per stay (Out-of-Network)



Medical Equipment/Supplies


Diabetes supplies $0 copay or 10-20% coinsurance per item
Diabetes supplies 25% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen) 25% coinsurance per item (Out-of-Network)
Durable medical equipment (e.g., wheelchairs, oxygen) 15% coinsurance per item
Prosthetics (e.g., braces, artificial limbs) 20% coinsurance per item
Prosthetics (e.g., braces, artificial limbs) 25% coinsurance per item (Out-of-Network)



Medicare Part B Drugs


Chemotherapy 20% coinsurance
Chemotherapy 20-40% coinsurance (Out-of-Network)
Other Part B drugs 20% coinsurance
Other Part B drugs 20-40% coinsurance (Out-of-Network)



Mental Health Services


Inpatient hospital - psychiatric 40% per stay (Out-of-Network)
Inpatient hospital - psychiatric $318 per day for days 1 through 5
$0 per day for days 6 through 90
Outpatient group therapy visit $40 copay
Outpatient group therapy visit 40% coinsurance (Out-of-Network)
Outpatient group therapy visit with a psychiatrist $40 copay
Outpatient group therapy visit with a psychiatrist 40% coinsurance (Out-of-Network)
Outpatient individual therapy visit 40% coinsurance (Out-of-Network)
Outpatient individual therapy visit $40 copay
Outpatient individual therapy visit with a psychiatrist $40 copay
Outpatient individual therapy visit with a psychiatrist 40% coinsurance (Out-of-Network)



MOOP


$10,300 In and Out-of-network
$7,200 In-network



Option


No



Optional supplemental benefits


Yes



Outpatient Hospital Coverage


40% coinsurance per visit (Out-of-Network)
$45-325 copay per visit



Package #1


Deductible
Monthly Premium $15.00



Preventive Care


$0 copay
$0 copay or 40-50% coinsurance (Out-of-Network)



Preventive Dental


Cleaning $0 copay
Cleaning 50% coinsurance (Out-of-Network)
Dental x-ray(s) $0 copay
Dental x-ray(s) 50% coinsurance (Out-of-Network)
Fluoride treatment Not covered
Oral exam 50% coinsurance (Out-of-Network)
Oral exam $0 copay



Rehabilitation Services


Occupational therapy visit $25 copay
Occupational therapy visit 40% coinsurance (Out-of-Network)
Physical therapy and speech and language therapy visit 40% coinsurance (Out-of-Network)
Physical therapy and speech and language therapy visit $25 copay



Skilled Nursing Facility


40% per stay (Out-of-Network)
$0 per day for days 1 through 20
$172 per day for days 21 through 100



Transportation


Not covered



Vision


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



Wellness Programs (e.g. fitness nursing hotline)


Not covered




Reviews for HumanaChoice R4182-003 (Regional PPO) R4182



2019 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
Rheumatoid Arthritis
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Statin Therapy


Member Experience with Health Plan

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


Member Complaints and Changes in HumanaChoice R4182-003 (Regional PPO) Plans Performance

Total Rating
Complaints about Health Plan
Members Leaving the Plan
Health Plan Quality Improvement
Timely Decisions About Appeals


Health Plan Customer Service Rating for HumanaChoice R4182-003 (Regional PPO)

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


HumanaChoice R4182-003 (Regional PPO) 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



Ready to Enroll?

Click Here

Or Call
1-855-778-4180
Mon-Sat 8am-11pm EST
Sun 9am-6pm EST




Coverage Area for HumanaChoice R4182-003 (Regional PPO)

(Click county to compare all available Advantage plans)

State: Texas
County:


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Source: CMS.
Data as of September 9, 2020.
Notes: Data are subject to change as contracts are finalized. For 2021, 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 2021 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.

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