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Humana Enhanced PDP for Seniors on Medicare

The Humana Enhanced PDP (Prescription Drug Plan) is made available to Seniors over the age of 65 and anyone on Medicare due to a disability.  This is a premier Medicare part D plan offered by Humana Medicare.  This plan is for seniors who need more then basic drug coverage offered by Medicare but not a whole comprehensive plan.  This Enhanced PDP offers a zero deductible and affordable premiums.  Humana is a stand-alone prescription drug plan with a Medicare contract. Humana offers several different drug plans (part D) for all your needs.  Including Humana-Walmart Prescription Rx Plan, and Humana Complete.   If you are looking for prescription drug coverage plus additional health coverage Humana Medicare Advantage plans might offer the coverage you need.  They offer Humana Gold Plus Advantage (HMO), Humana Gold Choice Advantage (PFFS), and  HumanaChoice (PPO). Frequently asked questions about the Enhanced drug plan. Does it come with a deductible? No. There is non deductible with this drug card. How much is the premium? The monthly premium for the Humana Enhanced PDP averages to around $40 a month for Medicare beneficiaries. Are my drugs covered? We have attached the Humana Enhanced Forumlary below. What will my copay’s be with this drug plan? Below we have summarized the benefits of the Humana Enhanced PDP. You will simply look up in the forumlary. which tier your medication falls under and will see what your share of cost is. Summary of Benefits Medigap Comparisons for the Humana Enhanced PDP Prescription Drug Plan 2012 Annual Deductible $0 Out-of-Pocket Maximum None Prescription Drug Deductible $0 deductible on all drugs except Tier 1: Preferred Generic Drugs. Retail Pharmacy for Prescription Drugs: Preferred Generic :After... read more

Humana Walmart Prescription Rx Plan – Part D

Humana and Walmart have teamed up to offer seniors a Humana Walmart-Preferred Rx Plan (PDP) with the lowest premium for a Medicare Part-D prescription drug card in the country.  The premium is only $18.50 a month.  Humana and Walmart can provide momentous savings on your prescription medicine costs.  This plan is available to most Medicare beneficiaries, including seniors and people with disabilities.  Humana is a stand-alone prescription drug plan with a Medicare contract. Other pharmacies are available in network. “One of the primary goals of health care reform is to make health coverage more affordable – and that’s what we’re doing with the introduction of this low-cost Medicare Part D plan,” said William Fleming, PharmD, vice president of Humana Pharmacy Solutions. “People are more likely to take the medications prescribed for them when they can afford those medications. And adhering to prescription-drug regimens can enable people to be healthier and prevent future illness. At Humana, we believe that this prevention helps people live healthier lives and achieve lifelong well-being.” This drug card makes a GREAT addition to an affordable Medicare Supplemental Insurance Policy.  Remember if you already have a Medicare Advantage plan, then it will probably already have your Part-D benefits included! This drug plan covers more than 1500 generic drugs, it was designed with you -the senior in mind, to save you money. You will pay the lowest out-of-pocket when you fill your medications at a Walmart or Sam’s Club store. There is a $320 Annual deductible for all drug tiers. Tier 1 preferred generic medications are only one dollar co-pay for thirty-day supply at Walmart or Sam’s Club. Incredible as it... read more

Mutual of Omaha – Medicare Supplemental Plans for Seniors

If you have been researching your options for Medicare, you are going to realize that the answers are not as straightforward as you might have hoped. On the contrary, you will learn that even though the government is providing you with a service, you will still have to do some choices. United of Omaha is part of the Mutual of Omaha Companies and was founded in 1926, with a diversified portfolio of life insurance, fixed annuities and other insurance products including Medicare Supplements. Policies are a part of a long history with the reputation of providing quality products since Medicare began in 1966. Original Medicare, the service program provided by the government, is not setup to cover all healthcare costs. You will find that some costs, such as deductibles and co-pays, are not covered with the program. This would cause many seniors in financial trouble. That’s why there are Medicare supplemental insurance plans to fill the gap. These plans are often referred to as Medigap programs. If you are ready to start discovering the unknown Medigap programs, there are some things you will need to be aware of. The best time for you to obtain a extra plan is during the open enrollment period, lasting six months from the first day of the month in which you turn 65 or older and enrolls in Medicare Part A and B. During this point applications will not be subject to underwriting, the insurance company cannot reject any position they sell, and do not have a waiting period for coverage to begin, or charge more for a policy based on past or current health condition. Content... read more

Preferred Care Partners-Top Florida Medicare Health Plan for Seniors

Preferred Care Partners health insurance offers comprehensive Florida Medicare Advantage plans that include drug coverage to people who are eligible for Medicare. It is a health plan available to all Florida Medicare beneficiaries. You must have Part A and Part B to enroll and the benefits offered vary by plan. There are times of the year that you can sign up for this program but you need to speak with Preferred Care Partners for more information. If you decide to leave this program, a letter will be sent to you confirming you had creditable coverage. This is important to have so that you’re next health plan will pick up right where the old one stopped. At Preferred Care Partners, we give you the information that you need to decide which plan you want to go with. If you have a chronic illness related to diabetes, we offer a Preferred Care Partners Preferred Special Care Plan. There is an Preferred Medical Plan that is right for you. At Preferred Care Partners insurance, they offer other Medigap plans as well. They offer doctor’s visit and prescription drugs with affordable premiums. PCP was established in 1972 and has the largest individual Medicare Health Plan membership on the west coast in FL and offers quality service to all of its... read more

Calls On Congress To Stop Medicare Doctor Cuts

The American Medical Association (AMA) is now airing television ads calling on Congress to stop Medicare physician payment cuts to seniors. The ad, titled the Faces of Health Care, depicts seniors who will be hurt by looming Medicare cuts and the physicians who care for them. “This television ad is part of our campaign to get Congress to stop Medicare physician cuts that will harm seniors,” said AMA Board Chair Cecil Wilson, MD. “We are raising awareness of the severity of the problem.” Next year, Medicare will cut payments to physicians by 10 percent. Over nine years the cuts swell to about 40 percent, while practice costs increase 20 percent. Only congressional action can stop the cuts, and avert an access to care crisis for seniors who rely on Medicare. “Sixty percent of physicians tell the AMA that next year’s Medicare cut will force them to limit the number of new Medicare patients they can treat,” said Dr. Wilson. “As the baby boomers begin to age into Medicare in just three short years, we’re concerned that the cuts will mean that there simply won’t be enough doctors able to care for all the new Medicare patients.” The AMA is encouraging seniors and their loved ones to contact their members of Congress to tell them we need action to stop Medicare cuts to physicians now. Americans can contact their members of Congress through the AMA’s Patient Action Network Web site or at (888) 464-6200. The AMA also published print ads earlier this month in Capitol Hill papers. The print ads call on Congress to stop next year’s Medicare physician payment... read more

Florida Medicare Advantage Plans from Freedom Health

Freedom Health, which was founded in 2004, is a Tampa, Florida-based health insurance business that’s operated and owned by a group of physicians. The organization administers Medicare and Medicaid benefits throughout many Florida counties. It aims at providing members with affordable health coverage which is designed to upgrade their quality of health care and cut down on out-of-pocket costs. The organization works closely with a network of local health insurance brokerages and agents and also has offices in Casselberry, Fort Myers, Ocala, Spring Hill, and Vero Beach. Since the health maintenance organization (HMO) deals strictly in Medicare and Medicaid plans, its medicare supplemental coverage is offered in combination with an existing Medicare or Medicaid policy. Therefore, to qualify for one of their health plans, you will already have to be enrolled in a Medicaid policy or Medicare Part A and Part B. Freedom Health has several different Medicare Advantage plans to choose from. These include plans that provide prescription drug coverage and have Part B premium reductions, as well as those aimed at customers with chronic conditions and those who have coverage with both Medicare and Medicaid. In the Medicare Advantage Prescription Drug Plans, you have to use prescription drugs that have been placed on an approved list. The policy can be part of your Part B or D premium, cover medication through the coverage gap, and sometimes offers reduced co-payments for mail-order and generic drugs. However, you need to be aware that if your Medicare Advantage plan offers coverage for prescription drugs and you then enroll in a standalone drug plan, you may be removed from the Medicare... read more

Medigap Plans from Gerber Life Insurance

Gerber life started out as a life insurance company building a sterling reputation over a 156 year history. Now they are on their way to dominating the Medicare supplemental insurance market. Gerber life sells Medicare supplements which are also called Medigap plans a senior citizens health insurance option to cover the costs not covered by Original Medicare Parts A and B. Currently Gerber has the Plan A, Plan B, Plan F and Plan G available to Medicare beneficiaries. Remember these are Medigap plans, so there are no networks, you can use any Dr. or medical provider in the country that accepts original Medicare and assignments and you will not have to worry about a Dr. list. All of these Medicare supplement plans offered through Gerber life will cover your major out-of-pocket costs, those being the part a and part B deductibles and other costs associated risk receiving treatment from a Medicare contracted provider such as outpatient lab testing, outpatient surgeries and Dr. visits. An interesting fact about Gerber life Medicare supplements is that they are actually underwritten by Mutual of Omaha. So if you call the 800 number for Gerber Medicare Supplement quotes, they will answer the phone as Gerber but you are in fact common to Mutual of Omaha’s call... read more

AMA Television Ad Calls On Congress To Stop Medicare Doctor Cuts

Part D beneficiaries need more coverage Senior beneficiaries enrolled in a Medicare Part D prescription drug plan still lag behind the coverage afforded seniors covered by employer plans or under a veterans’ health plan, according to a report in the journal Health Affairs. The report, which surveyed some 16,000 senior citizens, states that while more senior citizens have drug coverage than before due to the Medicare Part D program, more of those participating seniors are paying greater out-of-pocket expenses, especially when contrasted with their counterparts who received drug benefits through the Veterans Administration (VA) and employer-provided coverage programs. According to the report, 26 percent of the responding Part D beneficiaries spent at least $100 each month for prescription drugs. The report stated that another 8 percent reported spending at least $300 each month for prescription drugs, which is less than those without Part D coverage, but still more than those beneficiaries under a VA or employer-provided coverage program. Only 8.5 percent of senior citizens in 2006 did not have prescription drug coverage, whereas 33 percent of senior citizens were without such coverage in 2005, according to the report. Despite the Medicare Part D program’s low-income subsidy (LIS) allowances, only 53 percent of Medicare Part D beneficiaries who were surveyed knew about the program, and only 52 percent of the non-participating senior citizens who were surveyed had knowledge of... read more

Take a look at the Humana Gold Plus HMO plan for Seniors

Humana Gold Plus® is a Medicare Advantage Health Maintenance Organization (HMO) plan with a wide range of coverage for seniors. Humana has contracted with Medicare to provide you with services that are not covered by your Medicare Part A and Part B benefits under original Medicare. Most Medicare Advantage Humana Gold Plus HMO Plans offer prescription drug coverage. With Gold Plus HMO Plans your out-of-pocket costs are reduced and more predictable than with the majority of other plans. You may enroll in Gold Plus HMO plan only during specific times of the year. You can compare this to Humana’s Gold Choice PFFs, Humana’s Part D Drug Plans, HumanaChoice PPO and Humana Enhanced PDP. Below is an example of one of the many plans offered by Humana. Summary Plan Type Humana Gold Plus H1951-013 (HMO) Office Visit for Primary Doctor $10 copay for each primary care doctor visit for Medicare-covered benefits. Office Visit for Specialist $10 to $25 copay for each specialist visit for Medicare-covered benefits. Doctor Choice Plan Doctor Only Annual Deductible None Out-of-Pocket Maximum $4,900 Prescription Drug Coverage Yes Physical Exams $0 copay for all preventive services covered under Original Medicare at zero cost sharing. Hospital Services Coverage Emergency Room $65 copay for Medicare-covered emergency room visits. $25,000 plan coverage limit for emergency services outside the U.S. every year. Ambulance Services $200 copay for Florida Medicare-covered ambulance benefits. Outpatient Lab/X-Ray $0 to $25 copay for Medicare-covered lab services. $0 to $50 copay for Medicare-covered diagnostic procedures and tests. $10 to $50 copay for Medicare-covered X-rays. Outpatient Surgery $250 copay for each Medicare-covered ambulatory surgical center visit. $0 to $250... read more

Humana Choice PPO Plan Details

HumanaChoice PPO® is a Medicare Advantage Preferred Provider Organization (PPO) which offers additional benefits beyond original Medicare.  Humana offers a wide array of products and services in addition to your original Medicare plan.  HumanaChoice PPO® has a formed choice of hospitals, specialists and doctors for you to choose. No referral is required. You can also go to providers outside of the network but you reduce your costs when you use the in network providers.  Some plans offer Prescription drug coverage better or equal to the requirement for a Medicare Part D Plan (not available in all regions).  HumanaChoice PPO®  offers worldwide coverage for emergency care.  And features an affordable monthly plan premium for most plans.  Coverage for annual screening are also offered at no additional charge.  Below is a example of coverage of three plans offered by Humana that show in network benefits. HumanaChoice, PPO H5415-056 HumanaChoice, PPO R5826-018 HumanaChoice, PPO R5826-005 Plan Type Medicare Advantage Plan Preferred Provider Organization(PPO) Medicare Advantage Plan Preferred Provider Organization(PPO) Medicare Advantage Plan Preferred Provider Organization(PPO) Rx Coverage Annual Premium $468.00 $0.00 $960.00 Annual Drug Deductible $0.00 No Prescription Drug Coverage $0.00 Doctors and Hospitals HumanaChoice, PPO H5415-056 HumanaChoice, PPO R5826-018 HumanaChoice, PPO R5826-005 Annual Medical Deductible $0.00 $0.00 $0.00 Annual Plan Deductible N/A N/A N/A Maximum Medical Out-of-Pocket $5,000.00 $4,000.00 $4,750.00 Hospital Deductible (Per Benefit Period) $0.00 $0.00 $0.00 Doctor Access Option to see physicians in- or out- of the plan’s network. No referrals required. You pay more for out-of-network services. Option to see physicians in- or out- of the plan’s network. No referrals required. You pay more for out-of-network services. Option to... read more

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MedicareHelp.org is a privately-owned Non-governmental agency. The government website can be found at HealthCare.gov.

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment depends on the plan’s contract renewal.

Every year, Medicare evaluates plans based on a 5-star rating system.