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Roadblock to Medical Care? Medicare Advantage Plans
Just Want to Talk | Last Active: Sep 28, 2024 | Replies (21)Comment receiving replies
The deductibles vary depending on the treatment. Most are quite reasonable such as $10, $25. However some surgery deductibles go up to $100. It is $0 to see your primary care physician and $25 for a specialist. Also the medications are no charge or at least for me they have been so far. I'm not sure what the out of pocket maximum is. The correct name of the plan is Human Gold Plus H2486-006. I'm convinced this was an answer to a prayer!
I should point out that I wanted to cut my blood pressure medications to save money. However, my blood pressure levels had been in the 120/70 range since January and this was August. I was pretty certain that I could go down to one time a day with no problem but I wanted the doctor to approve that and he did! I currently only take my blood pressure medications once a day. I have had no problem with this. But it shouldn't be the only answer to financial problems!
PML
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@pml. I'm not an expert on health care insurance. I've done a lot of reading and thinking about what health care insurance covers, what it does not cover, and how much it costs. I just wanted to explain the following. Let me say, too, that I'm very happy that you found an affordable plan.
Here is the information on your Humana Plan (I looked it up with the information you wrote).
https://www.medicareadvantage.com/plans/humana-gold-plus-h2486-006-hmo-h2486-006-000
The $25 you pay to see a specialist is referred to as your "co-pay". The deductible is something else and is the amount you pay for covered health care services before your insurance plan starts to pay. Your plan has a deductible of "0". Your out-pocket-cost maximum is $5900.
One of my friends has a Humana Gold plan and when she had a medical emergency she found the Humana Gold plan was very comprehensive. She's pleased with her choice. I can see that your plan is very comprehensive too and I wish we had plan like that available where I live.