Page 10 - Cover Letter and Evaluation for Susan Church
P. 10

Plans that appear to meet your criteria


                               These four plans are compared on this page and the following page.

                                        Humana Gold Plus   Humana Choice      Humana Choice
                           Plan Name HMO Plan (H4141- PPO Plan (H5216-       PPO Plan (H5216-   Medigap Plan N
                                              015)              147)               153)


                   Toll-Free Number      (800) 833-2364    (800) 833-2364     (800) 833-2364          NA
          QuaSection Heading             How do these plans compare?
          lity ratings from

            Can you continue to see your   Yes, but verify       Yes               Yes                Yes
                           physician(s)?


                                                                                                Medigap policies
          How large is the plan's provider  More than 19,000  More than 20,000  More than 20,000   do not have
                              network?      providers         providers          providers
                                                                                                   networks

             Do you need referrals to see  Not if you remain
                            specialists?   in the network        No                 No                No



                                       $290 a day for days  $290 a day for days  $450 a day for days   No cost for
           What is the potential cost of a
                          hospital stay?  1-7 in a network   1-7 in a network   1-4 in a network   Medicare-covered
                                            hospital           hospital          hospital       hospital services



                                                           Weak. $6,700 in    Weak. $6,700 in   Excellent. It does
                  How good is the plan's   Fair. $5,900 for   network and      network and     not have an out-of-
                 catastrophic coverage? network services $10,000 in- and out-$10,000 in- and out-  pocket limit,
                                                             of-network         of-network          though

                                                                                                Medigap policies
             What are Medicare's ratings   3.5 out of 5 stars  4 out of 5 stars  4 out of 5 stars  are not rated by
                          for this plan?
                                                                                                   Medicare

                               Benefits for services not covered by Medicare

                                                                               Not covered.
                  Routine dental care    Some benefits      Some benefits        Optional         Not covered
                                                                               supplemental
                                                                            packages for added
                  Routine vision care    Some benefits      Some benefits       premiums          Not covered


                                                                                                   After $250
                                                                                               deductible, 80% of
          Foreign travel emergencies      Not covered        Not covered       Not covered
                                                                                                 costs ($50,000
                                                                                                 lifetime limit)


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