HumanaChoice R4845-002 (Regional PPO)

Kansas Medicare Advantage Plan (2024 Plan)


Monthly Premium

Your Cost
$42
by Humana

Additional Coverage

HearingVision

Overall Government Star Rating

 3.0
out of 5 stars

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Plan Name
HumanaChoice R4845-002 (Regional PPO)
Insurance Carrier
Humana
Plan Type
Medicare Advantage Plan With Part D Prescription Drug Coverage
Network Type
PPO

HumanaChoice R4845-002 (Regional PPO) is a Medicare Advantage Plan With Part D Prescription Drug Coverage, which is available in Kansas 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
$42
Annual Deductible
$500 annual deductible
Max Out-of-Pocket
$6,700
Primary doctor visit
$20 copay per visit
Specialist visit
$50 copay per visit
ER visit
$95 copay per visit (always covered)
Ambulance
$265 copay

HumanaChoice R4845-002 (Regional PPO) has a monthly premium cost of $42 per month, with an annual deductible of $500 annual deductible and a maximum out of pocket cost sharing of $10,000 In and Out-of-network $6,700 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 R4845-002 (Regional PPO) are defined below.

Yes
Part D Prescription Drug Coverage
No
Dental
Yes
Vision
Yes
Hearing

HumanaChoice R4845-002 (Regional 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 R4845-002 (Regional PPO) includes coverage for hearing, vision.

Medicare Advantage health plans can offer even more additional benefits. HumanaChoice R4845-002 (Regional 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
Not covered
Home and bathroom safety devices
Not covered
Meals for short duration
Limited coverage
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 (Regional PPO) received an overall government quality rating of 3.0 stars out of 5 stars.

HumanaChoice (Regional PPO) performed worse than Kansas’s State average overall quality score of 3.9 stars.

This Plan’s 5-star Gov’t Quality Score
Kansas State Average Score
Overall Government 5 Star Quality Rating
 3.0
 3.9
Summary rating of health plan quality
 3
 3.8
Staying healthy: screenings, tests, & vaccines
 1
 3.4
Managing chronic (long term) conditions
 2
 3.2
Member experience with health plan
 4
 3.9
Member complaints & changes in the health plan's performance
 3
 3.8
Health plan customer service
 4
 4.2
Summary rating of drug plan quality
 2.5
 3.8
Drug plan customer service
 5
 4.1
Member complaints & changes in the drug plan's performance
 2
 3.9
Member experience with the drug plan
 3
 3.9
Drug safety & accuracy of drug pricing
 2
 3.4

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 (Regional PPO) received 3 stars for its health plan quality score which is worse than the Kansas State average health plan quality score of 3.8 stars.

HumanaChoice (Regional PPO) received 2.5 stars for its drug plan quality score which is worse than the Kansas State average drug plan quality score of 3.8 stars.


Monthly Premium
$42
Health Portion of Premium
$0
Drug Portion of Premium
$42
Health Plan Deductible
$500 annual deductible
Health Plan Max Out-of-Pocket
$10,000 In and Out-of-network
$6,700 In-network
Nationwide Coverage included
No
Hearing Coverage included
Yes
Vision Coverage included
Yes
Dental Coverage included
No

Doctor Services

Primary doctor visit
In-network: $20 copay per visit
Out-of-network: 40% coinsurance per visit
Specialist visit
In-network: $50 copay per visit
Out-of-network: 40% coinsurance per visit

Tests, labs, & imaging

Diagnostic tests & procedures
In-network: $0-50 copay or 25% coinsurance
Out-of-network: 40% coinsurance
Lab services
In-network: $0-45 copay
Out-of-network: 40% coinsurance
Diagnostic radiology services (like MRI)
In-network: $0-270 copay
Out-of-network: 40-50% coinsurance
Outpatient x-rays
In-network: $20-50 copay or 25% coinsurance
Out-of-network: 40% coinsurance
Emergency care
$95 copay per visit (always covered)
Urgent care
$30 copay per visit (always covered)

Hospital Services

Inpatient hospital coverage
In-network: $360 per day for days 1 through 5
$0 per day for days 6 through 90
$0 per day for days 90 and beyond
Out-of-network: 40% per stay
Outpatient hospital coverage
In-network: $0-50 copay or 25% coinsurance per visit
Out-of-network: 40% coinsurance per visit

Skilled nursing facility

Skilled nursing facility
In-network: $0 per day for days 1 through 20
$196 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 40-50% coinsurance

Ambulance

Ground ambulance
In-network: $265 copay
Out-of-network: $265 copay

Therapy services

Occupational therapy visit
In-network: $30-40 copay
Out-of-network: 40% coinsurance
Physical therapy & speech & language therapy visit
In-network: $30-40 copay
Out-of-network: 40% coinsurance

Mental health services

Outpatient group therapy with a psychiatrist
In-network: $40 copay
Out-of-network: 40% coinsurance
Outpatient individual therapy with a psychiatrist
In-network: $40 copay
Out-of-network: 40% coinsurance
Outpatient group therapy visit
In-network: $40 copay
Out-of-network: 40% coinsurance
Outpatient individual therapy visit
In-network: $40 copay
Out-of-network: 40% coinsurance

Opioid treatment services

Opioid treatment services
Covered

Other services

Durable medical equipment (like wheelchairs & oxygen)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Prosthetics (like braces, artificial limbs)
In-network: 20% coinsurance per item
Out-of-network: 20% coinsurance per item
Diabetes supplies
In-network: $0 copay or 10-20% coinsurance per item
Out-of-network: 20% coinsurance per item

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

TiersInitial coverage phaseGap coverage phaseCatastrophic coverage phase
Preferred Generic$19.00 copay


Generic drugs :
25%

Brand-name drugs :
25%


Generic drugs :
$0 copay

Brand-name drugs :
$0 copay

Generic$20.00 copay
Preferred Brand21%
Non-Preferred Drug25%
Specialty Tier25%

Part B Drugs

Chemotherapy drugs
In-network: 0-20% coinsurance
Out-of-network: 20-50% coinsurance
Other Part B drugs
In-network: 0-20% coinsurance
Out-of-network: 20-50% coinsurance

Hearing

Hearing exam
In-network: $50 copay
Out-of-network: 40% coinsurance
Fitting/evaluation
In-network: $0 copay
Out-of-network: 50% coinsurance
Hearing aids - All types
In-network: $699-999 copay
Out-of-network: 50% 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
Not covered
Diagnostic services
In-network: $0 copay
Out-of-network: $0 copay
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
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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