HumanaChoice Florida H7284-006 (PPO)

Florida Medicare Advantage Plan (2024 Plan)


Monthly Premium

Your Cost
$0
by Humana

Additional Coverage

HearingVisionDental

Overall Government Star Rating

 4.0
out of 5 stars

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Plan Name
HumanaChoice Florida H7284-006 (PPO)
Insurance Carrier
Humana
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

HumanaChoice Florida H7284-006 (PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Florida and offered by the health insurance company Humana. This plan’s network type is PPO which determines in-network doctors who accept the health plan and whether a referral is needed.

Monthly Premium
$0
Annual Deductible
$600 annual deductible
Max Out-of-Pocket
$3,300
Primary doctor visit
$0 copay
Specialist visit
$25 copay per visit
ER visit
$100 copay per visit (always covered)
Ambulance
$240 copay

HumanaChoice Florida H7284-006 (PPO) has a monthly premium cost of $0 per month, with an annual deductible of $600 annual deductible and a maximum out of pocket cost sharing of $5,400 In and Out-of-network $3,300 In-network. The most common benefit costs which people evaluate when choosing a plan are costs for a primary doctor visit, specialist doctor visit, emergency room visit, and ambulance. These costs are listed in this summary section and a full list of benefit costs for HumanaChoice Florida H7284-006 (PPO) are defined below.

Yes
Part D Prescription Drug Coverage
Yes
Dental
Yes
Vision
Yes
Hearing

HumanaChoice Florida H7284-006 (PPO) is a Medicare Advantage plan which does include Medicare Part D Prescription Drug coverage. Other common benefits included with Medicare Advantage plans are coverage for dental, vision, and hearing. HumanaChoice Florida H7284-006 (PPO) includes coverage for hearing, vision, dental.

Medicare Advantage health plans can offer even more additional benefits. HumanaChoice Florida H7284-006 (PPO) includes coverage for the following additional benefits:

Other benefits

Fitness benefit
Limited coverage
Over the counter drug benefits
Limited coverage
In-home support services
Limited coverage
Home and bathroom safety devices
Not covered
Meals for short duration
Not covered
Annual physical exams
Limited coverage
Telehealth
Limited coverage

Each year the federal government evaluates the quality of Medicare Advantage and Part D Prescription Drug plans based on a 5-star scoring system. For 2024, HumanaChoice Florida (PPO) received an overall government quality rating of 4.0 stars out of 5 stars.

HumanaChoice Florida (PPO) performed worse than Florida’s State average overall quality score of 4.4 stars.

This Plan’s 5-star Gov’t Quality Score
Florida State Average Score
Overall Government 5 Star Quality Rating
 4.0
 4.4
Summary rating of health plan quality
 4.5
 4.3
Staying healthy: screenings, tests, & vaccines
 4
 4.0
Managing chronic (long term) conditions
 4
 4.0
Member experience with health plan
 4
 3.8
Member complaints & changes in the health plan's performance
 4
 4.1
Health plan customer service
 5
 4.6
Summary rating of drug plan quality
 3.5
 4.2
Drug plan customer service
 5
 3.9
Member complaints & changes in the drug plan's performance
 3
 4.0
Member experience with the drug plan
 4
 4.4
Drug safety & accuracy of drug pricing
 3
 3.8

The government calculates an “Overall star rating” based on ratings for sub components including “Health plan star rating” and “Drug plan star rating”, which includes further subcomponents of each.

HumanaChoice Florida (PPO) received 4.5 stars for its health plan quality score which is better than the Florida State average health plan quality score of 4.3 stars.

HumanaChoice Florida (PPO) received 3.5 stars for its drug plan quality score which is worse than the Florida State average drug plan quality score of 4.2 stars.


Monthly Premium
$0
Health Portion of Premium
$0
Drug Portion of Premium
$0
Health Plan Deductible
$600 annual deductible
Health Plan Max Out-of-Pocket
$5,400 In and Out-of-network
$3,300 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
Yes

Doctor Services

Primary doctor visit
In-network: $0 copay
Out-of-network: $25 copay per visit
Specialist visit
In-network: $25 copay per visit
Out-of-network: $45 copay per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0-175 copay
Out-of-network: $25-45 copay or 40% coinsurance
Lab services
In-network: $0-20 copay
Out-of-network: $0-45 copay or 40% coinsurance
Diagnostic radiology services (like MRI)
In-network: $0-250 copay
Out-of-network: $45 copay or 40% coinsurance
Outpatient x-rays
In-network: $0-50 copay
Out-of-network: $25-45 copay or 40% coinsurance
Emergency care
$100 copay per visit (always covered)
Urgent care
$15 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $265 per day for days 1 through 7
$0 per day for days 8 through 90
$0 per day for days 90 and beyond
Out-of-network: 40% per stay
Outpatient hospital coverage
In-network: $0-250 copay per visit
Out-of-network: $25 copay or 40% coinsurance per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$160 per day for days 21 through 100
Out-of-network: 40% per stay

Preventive services

Preventive services
In-network: $0 copay
Out-of-network: $0 copay or 40% coinsurance

Ambulance

Ground ambulance
In-network: $240 copay
Out-of-network: $240 copay

Therapy services

Occupational therapy visit
In-network: $10-25 copay
Out-of-network: $35-45 copay or 40% coinsurance
Physical therapy & speech & language therapy visit
In-network: $10-25 copay
Out-of-network: $35-45 copay or 40% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $25 copay
Out-of-network: $45 copay
Outpatient individual therapy with a psychiatrist
In-network: $25 copay
Out-of-network: $45 copay
Outpatient group therapy visit
In-network: $25 copay
Out-of-network: $45 copay
Outpatient individual therapy visit
In-network: $25 copay
Out-of-network: $45 copay

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 5% coinsurance per item
Out-of-network: 20% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 5% coinsurance per item
Out-of-network: 20-40% coinsurance per item
Diabetes supplies
In-network: $0 copay or 20% coinsurance per item
Out-of-network: 20-40% coinsurance per item

Tier drug costs for: Standard retail pharmacy drug cost for 1-month

TiersInitial coverage phaseGap coverage phase1Catastrophic coverage phase
Preferred Generic$0.00 copay$0.00 copay


Generic drugs :
$0 copay

Brand-name drugs :
$0 copay

Generic$0.00 copay$0.00 copay
Preferred Brand$47.00 copay
Non-Preferred Drug$100.00 copay
Specialty Tier33%
1 For all other drugs, you pay 25% for generic drugs and 25% for brand-name drugs.

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: 20-40% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 20-40% coinsurance

Hearing

Hearing exam
In-network: $25 copay
Out-of-network: $45 copay
Fitting/evaluation
In-network: $0 copay
Out-of-network: 25% coinsurance
Hearing aids - All types
In-network: $0 copay
Out-of-network: 25% coinsurance

Preventive Dental

Oral exam
In-network: $0 copay
Out-of-network: $0 copay
Cleaning
In-network: $0 copay
Out-of-network: $0 copay
Fluoride treatment
In-network: $0 copay
Out-of-network: $0 copay
Dental x-rays
In-network: $0 copay
Out-of-network: $0 copay

Comprehensive dental

Non-routine services
In-network: $0 copay
Out-of-network: $0 copay
Diagnostic services
In-network: $0 copay
Out-of-network: $0 copay
Restorative services
In-network: $0 copay
Out-of-network: $0 copay
Endodontics
Not covered
Periodontics
In-network: $0 copay
Out-of-network: $0 copay
Extractions
In-network: $0 copay
Out-of-network: $0 copay
Prosthodontics, other oral/maxillofacial surgery, other services
In-network: $0 copay
Out-of-network: $0 copay

Vision

Routine eye exam
In-network: $0 copay
Out-of-network: $0 copay
Contact lenses
In-network: $0 copay
Out-of-network: $0 copay
Eyeglasses (frames & lenses)
In-network: $0 copay
Out-of-network: $0 copay
Eyeglass frames (only)
Not covered
Eyeglass lenses (only)
Not covered
Upgrades
Not covered

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