Medicare is provided by the federal government of the United States to its citizens who are 65 years of age and older, or for those suffering from an end-stage renal disease. The medicare covers all of your medicare as well as hospital charges. However, in the past decade, many people have switched to Medicare Advantage plans. These plans are advantageous plans and provide extra benefits to their customers. Along with covering all of the original medicare services, the plans also cover extra benefits like prescription drug services, eye tests, glaucoma screening, fitness benefits, routine dental checkups, meals, and much more. Not only these plans are more beneficial but are also provided at a very affordable monthly premium by private organisations. One such private organisation is Humana Medicare, which is one of the biggest in the United States. Serving more than 13 million people, Humana has plans in all the 50 states of the US. Humana Medicare Advantage plans in Burbank are discussed below.
1. Humana Gold Plus H5619-021 (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 $990 for in-network providers. You do not have to pay any copay while visiting your primary health care provider. The plan covers prescription drug coverage with a deductible of $0. For generic and brand name drugs you have to pay a coinsurance of 5%. 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, acupuncture 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, the plan is offered by Humana at a monthly premium of $16.80. The plan charges medicare defined part B annual deductible, and an out of pocket maximum of $6700. This health maintenance organisation plan helps you choose your primary care provider inside the network. This provider would have an overall picture of your health. In this plan, you do not have to pay any copay while visiting your primary care provider or any special care provider inside your network. The plan covers your prescription drug services as well, without a deductible amount of $435, along with covering urgently needed services at a $0 copay. The plan also covers oral exams, prophylaxis, dental x-rays, non-routine services, restorative services, endodontics, extractions, prosthodontics, surgeries, eyewear, eyeglasses, contact lenses, glaucoma screening, hearing aids, hearing exams, over the counter benefits, fitness benefits, and transportation services as well. You get 36 trips a year to your local health providers.