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Author Topic: Attn 100% Disabled Veterans - (Humana Honor PPO)  (Read 1768 times)

Bonzai

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Attn 100% Disabled Veterans - (Humana Honor PPO)
« on: October 08, 2021, 06:33:54 pm »
I am not one to promote anything, but I am relating my experience.  I normally don't answer calls from numbers I don't recognize, but I was driving and bored and answered such a call.  It was from Select Choice, and I was asked if I was on Medicare.  I said yes, and followed it with I get all my care from the VA.  The agent on the line got a bit excited and said he HAD to tell me about a Medicare Advantage program and to please listen.  He was very nice, so I continued on the call.

He said that Humana offers a Medicare Advantage program called Honor (PPO).  I explained to him that I have had Medicare part A & B for years, and never had to use it.  He said great, but I needed to hear what the Humana Honor (PPO) program offers for a princely price of $0.00.  I asked him to repeat it, and he said there is no cost.  The first benefit he stated was that my Medicare Part B deductible would be reimbursed $30 per month (I received a letter from Social Security stating my premium is now $30 lower), so that benefit alone gave me an extra $360 per year.  Then he told me about their Online Pharmacy, where I can order $100 of OTC supplies per month (it does not accumulate, so you have to order each month); a benefit of $1200.00 year.  I repeatedly asked him if he was serious, and he said he couldn't believe the plan when he first heard about it.  Another benefit is the Silver Sneakers program, which pays for gymnasium/fitness center membership.  The local sports gym near me is $60/month, but I am now a free member (they actually told me that they get reimbursed for every time I use the facility, so the more I go that happier they are).  So the gym membership saves me $720 a year.  These three benefits alone sold me, and I have never shopped around for Medicare Advantage plans, but I think an annual premium of $0.00 is a great deal.

Being an Advantage PPO, they have in-network and out-of-network costs.  The cost for a doctor visit is $10 and $30 for a specialist.  I have already used the $30 specialist because I am in a fight with OPTUM to get my psychologist certified.  OPTUM has lost the paperwork twice already, and I didn't want to use Medicare Part B with its yearly deductible of $203.  $30 was much better and I am going to get it reimbursed.  Yes the VA will pay retroactively when you can prove how incompetent their system is.

So the reason I am posting this is that I had to make sure everything told to me on the phone was true.  I even grilled the Humana agent when the initial call from Select Choice transferred me.  In short, my Medicare Part B premium is $30 lower; $100 per month to spend on OTC supplies listed in the booklet you receive (the order has to be mailed in); and a free gym membership ($720 in my case).  And my annual premium is $0.00.  Free is good.

This has no effect on my VA coverage.
"If one of these engines fails, how far will the other one take us?"
"All the way to the scene of the crash!" - Ron White