Finding a health insurance plan that best fits your health needs may seem overwhelming and difficult, but we are here to make the search easier for you.  If the Medicare Plan you have chosen does not offer coverage for all of your health cost needs, you can add Medicare Advantage Plans such as HPO, PPO, or MSA to your current Medicare Plan.  These additional Plans will help fill in the gaps that your current health plan may not cover.  

 

In Fayetteville, NC, Humana Health Insurance offers a variety of health insurance plans that can be added to your original plan.  Search results provide your area with the following Medicare Plans: HumanaChoice R5826-079 (PPO), HumanaChoice R5826-063 (PPO), and HumanaChoice R5826-003(PPO).  A PPO is a Medicare Preferred Provider Organization plan.  A PPO Plan can be added to you Medicare Advantage Plan (Part C). Since Part C coverage is based through private companies, there are particular doctors and hospitals that will accept your plan.  In choosing a PPO Plan, you are given the ability to lower your healthcare fees when using these particular doctors and hospitals in your area. 

 

What will my Health Plan cover now?

After entering your zip code and finding the available plans in your area, you will receive added benefits of the new plan you choose.  Each of the plans listed may cover benefits of four main areas.  These areas include Office Visits, Hospital inpatient, Hospital Outpatient, and Pharmacy. 

 

Office Visits are the times in which you go to the doctor’s office to have him/her examine your health condition.  These visits can be categorized into either primary care or specialty visits.  Hospital Inpatient care will cover your over-night stays in the hospital (some plans may require a minimum amount of nights).  Hospital Outpatient care covers service in a hospital that did not require an over-night stay.  It may also cover medical service that did not require going to the hospital.  Pharmacy refers to whether or not your plan will have prescription drug coverage.

 

Am I eligible to receive this coverage?

If you are eligible for Part A and Part B. and you live in the area that the Medicare Plan covers, you are eligible.  Not all plans offer Medicare coverage for permanent kidney failure. 

 

What are the fees of my new Plan? The Plan you choose will generally have a monthly premium.  However, not all plans require a monthly premium payment.  Depending on the amount of the monthly premium, the co-payment you will make to each service will vary.   The plan HumanaChoice R5826-079 (PPO) for Fayetteville NC is as follows.  If you choose this plan, you will have a monthly premium of $56.  Each primary care office visit will have a $15 co-pay.  Each specialty doctor visit will have a $40 co-pay.  A Hospital Inpatient (for days 1-7) will have a $225 co-pay and for days 8-90 they will have $0 co-pay.  The co-payment for a hospital outpatient depends on the cost per visit.  It will generally range from $0-$250, depending on the cost per visit (usually 20% of the cost per visit).  Finally, this Plan does have Pharmacy coverage of particular prescription drugs.    

 

The Plan HumanaChoice R5826-063 (PPO) for Fayetteville, NC has no monthly premium.  A primary care office visit will have a $10 co-pay.  A specialty care office visit will have a $30 co-pay.  Hospital Inpatients stays will have a $550 co-pay for each visit (it does not depend on the number of nights you stay). Hospital Outpatients have a $0-$95 co-pay per visit.  This plan does not have Pharmacy coverage for prescription drugs.

 

The Plan HumanaChoice R5826-003(PPO) for Fayetteville, NC has a monthly premium of $72.  A primary care office visit has a $15 co-pay.  A specialty doctor office visit will have a $35 co-pay.  For days 1-7, a hospital inpatient will have a $225 co-pay.  A hospital outpatient will have a co-pay of $0-$250 depending on the cost per visit.  This plan has Pharmacy coverage for prescription drug costs. 

 

If you are interested in getting a Medicare Plan and live in North Carolina, please contact the Medicare experts at MyBestMedicare.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.