2022 HumanaChoice H0473-005 (PPO)

HumanaChoice H0473-005 (PPO) H0473-005 is a 2022 Medicare Advantage Plan or Part-C by Humana available to residents in Texas. This plan includes additional prescription drug (Part-D) coverage. The HumanaChoice H0473-005 (PPO) has a monthly premium of $0 and has an in-network maximum out-of-pocket limit of $6,900 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $6,900 out-of-pocket. This can be a extremely nice safety net.

HumanaChoice H0473-005 (PPO) is a Local 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 H0473-005 (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 you are always covered for urgently needed and emergency care. Plus you receive all the benefits of Original Medicare from Humana except hospice care. Original Medicare still provides you with hospice care even if you sign up for Medicare Advantage.

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2022 Humana Medicare Advantage Plan Costs

HumanaChoice H0473-005 (PPO) Part-C Premium

Humana charges a $0.00 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.

H0473-005 Part-D Deductible and Premium

HumanaChoice H0473-005 (PPO) has a monthly drug premium of $0.00 and a $300.00 drug deductible. This Humana plan offers a $0.00 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 $0.00 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 $0.00 . The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

Humana Gap Coverage

In 2022 once you and your plan provider have spent $4430 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 offer additional coverage through the gap.

H0473-005 Formulary or Drug Coverage

HumanaChoice H0473-005 (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. You can see complete 2022 HumanaChoice H0473-005 (PPO) H0473-005 Formulary here.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	$3	$10
Tier 2	$10	$20
Tier 3	$47	$47
Tier 4	$99	$100
Tier 5	28%	28%

*Initial Coverage Phase and 30 day supply

2021 HumanaChoice H0473-005 (PPO) Summary of Benefits

*This will be updated with 2022 data when available.

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Additional Benefits

No

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Comprehensive Dental

Diagnostic services	Not covered
Endodontics	Not covered
Extractions	55-75% coinsurance (Out-of-Network)
Extractions	50% coinsurance
Non-routine services	Not covered
Periodontics	55-75% coinsurance (Out-of-Network)
Periodontics	70% coinsurance
Prosthodontics, other oral/maxillofacial surgery, other services	Not covered
Restorative services	55-75% coinsurance (Out-of-Network)
Restorative services	50% coinsurance

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Deductible

$750 annual deductible

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Diagnostic Tests and Procedures

Diagnostic radiology services (e.g., MRI)	$45-325 copay
Diagnostic radiology services (e.g., MRI)	40% coinsurance (Out-of-Network)
Diagnostic tests and procedures	$0-175 copay
Diagnostic tests and procedures	$0 copay or 40% coinsurance (Out-of-Network)
Lab services	$0-50 copay
Lab services	40% coinsurance (Out-of-Network)
Outpatient x-rays	$0-95 copay
Outpatient x-rays	40% coinsurance (Out-of-Network)

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Doctor Visits

Primary	$0 copay
Primary	40% coinsurance per visit (Out-of-Network)
Specialist	40% coinsurance per visit (Out-of-Network)
Specialist	$45 copay per visit

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Emergency care/Urgent Care

Emergency	$90 copay per visit (always covered)
Urgent care	$0-45 copay or 40% coinsurance per visit (always covered)

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Foot Care (podiatry services)

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

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Ground Ambulance

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

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Hearing

Fitting/evaluation	$0 copay
Fitting/evaluation	$0 copay (Out-of-Network)
Hearing aids	$399-999 copay
Hearing aids	$399-999 copay (Out-of-Network)
Hearing exam	$45 copay
Hearing exam	40% coinsurance (Out-of-Network)

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Inpatient Hospital Coverage

$325 per day for days 1 through 6 $0 per day for days 7 through 90 $0 per day for days 91 and beyond
40% per stay (Out-of-Network)

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Medical Equipment/Supplies

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

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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)

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Mental Health Services

Inpatient hospital - psychiatric	$311 per day for days 1 through 6 $0 per day for days 7 through 90
Inpatient hospital - psychiatric	40% per stay (Out-of-Network)
Outpatient group therapy visit	40% coinsurance (Out-of-Network)
Outpatient group therapy visit	$30 copay
Outpatient group therapy visit with a psychiatrist	$30 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	$30 copay
Outpatient individual therapy visit with a psychiatrist	$30 copay
Outpatient individual therapy visit with a psychiatrist	40% coinsurance (Out-of-Network)

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MOOP

$10,000 In and Out-of-network $6,900 In-network

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Option

No

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Optional supplemental benefits

No

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Outpatient Hospital Coverage

40% coinsurance per visit (Out-of-Network)
$35-295 copay per visit

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Preventive Care

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

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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	50% coinsurance (Out-of-Network)
Fluoride treatment	$0 copay
Oral exam	50% coinsurance (Out-of-Network)
Oral exam	$0 copay

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Rehabilitation Services

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

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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

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Transportation

Not covered

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Vision

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

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Wellness Programs (e.g. fitness nursing hotline)

Covered

CMS Star Ratings for HumanaChoice H0473-005 (PPO) H0473

Staying Healthy, Screening, Testing, & Vaccines

Managing Chronic And Long Term Care for Older Adults

Member Experience with Health Plan

Member Complaints and Changes in HumanaChoice H0473-005 (PPO) Plans Performance

Health Plan Customer Service Rating for HumanaChoice H0473-005 (PPO)

HumanaChoice H0473-005 (PPO) Drug Plan Customer Service Ratings

Ratings For Member Complaints and Changes in the Drug Plans Performance

Member Experience with the Drug Plan

Drug Safety and Accuracy of Drug Pricing

Ready to Enroll?

Click Here

Or Call
1-855-778-4180
Mon-Fri 8am-8pm EST
Sat 8am-8pm EST

Coverage Area for HumanaChoice H0473-005 (PPO)

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Source: CMS.
Data as of September 1, 2021.
Notes: Data are subject to change as contracts are finalized. For 2022, 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 2022 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.