Humana Medical Plan of Michigan, Inc.*

Humana Medical Plan of Michigan, Inc.* | Humana Basic 6850/Detroit HMOx

  • Humana Basic 6850/Detroit HMOx is an Obamacare health insurance plan offered by Humana Medical Plan of Michigan, Inc.* that is available for individuals and families.

  • This plan is a HMO, meaning you will have to stay within the insurance company’s network, and will need to see a primary care doctor first and get a referral in order to see a specialist. (Read more about HMOs.)

  • This plan is a Catastrophic metal level plan,

  • Deductible amount of $6,850. A deductible is the amount of healthcare costs you will pay on your own each year before the insurance company.

  • Max out-of-pocket of $6,850, which is the most you will pay in a plan year outside of premiums, out-of-network providers and non-essential health benefits.


Ways to Enroll or Learn More

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Plan Summary

Monthly Cost

Plan Name:
Humana Basic 6850/Detroit HMOx

Plan ID:
46275MI0010001

Plan Type:
HMO

Deductible:
$6,850

Maximum Out-of-Pocket:
$6,850

Summary of Benefits:

Provider Information:

Who is this plan for?

Although this plan has a lower monthly cost, it only provides coverage in the event of a very large medical expense. The very high deductible on this plan means you will pay a significant amount of money of pocket for medical care and prescriptions before your insurance kicks in. The very high out-of-pocket maximum on this plan means you could be faced with a very expensive medical bill if an emergency happens. Plans with this type of provider network tend to have a narrower provider network.

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Highlights


Dental Coverage:
Child

Emergency Room:
No Charge after deductible

Retail Drugs:
No Charge after deductible

Generic Drugs:
No Charge after deductible

Overview


Plan Type:
HMO

Metal Level:
Catastrophic

Health Spending Account:
No

Primary Care Office Visit:
$25 first 3 visits then No Charge after deductible

Specialist Office Visit:
No Charge after deductible

Out of Network Coverage:
Yes

Out of Country Coverage:
Yes

Coverage Details

Preventive Care

Periodic Health Exam
In Network:
No Charge

Out of Network:
Not Covered
Well Baby Care
In Network:
No Charge

Out of Network:
Not Covered

Inpatient

Hospital Services
In Network:
No Charge after deductible

Out of Network:
Not Covered
Physician Fee
In Network:
No Charge after deductible

Out of Network:
Not Covered
Skilled Nursing Facility
In Network:
No Charge after deductible

Out of Network:
Not Covered
Mental Health
In Network:
No Charge after deductible

Out of Network:
Not Covered
Substance Abuse
In Network:
No Charge after deductible

Out of Network:
Not Covered
Home Healthcare
In Network:
No Charge after deductible

Out of Network:
Not Covered

Outpatient

Surgery
In Network:
No Charge after deductible

Out of Network:
Not Covered
X-ray and Diagnostics
In Network:
No Charge after deductible

Out of Network:
Not Covered
Labs
In Network:
No Charge after deductible

Out of Network:
Not Covered
Facility Fee
In Network:
No Charge after deductible

Out of Network:
Not Covered
Mental Health
In Network:
No Charge after deductible

Out of Network:
Not Covered
Substance Abuse
In Network:
No Charge after deductible

Out of Network:
Not Covered
Rehabilitation Services
In Network:
No Charge after deductible

Out of Network:
Not Covered

Maternity/Pregnancy

Pre & Postnatal Care
In Network:
No Charge after deductible

Out of Network:
Not Covered
Infertility Treatment
In Network:
No Charge after deductible

Out of Network:
Not Covered
Labor and Delivery Inpatient Services
In Network:
No Charge after deductible

Out of Network:
Not Covered

Dental

Accidental Care
In Network:
No Charge after deductible

Out of Network:
Not Covered
Orthodontia (Child)
In Network:
No Charge after deductible

Out of Network:
Not Covered

Vision

Eye Exam (Child)
In Network:
No Charge after deductible

Out of Network:
Not Covered
Glasses (Child)
In Network:
No Charge after deductible

Out of Network:
Not Covered

Additional Coverage

Chiropractic Care
In Network:
No Charge after deductible

Out of Network:
Not Covered
Habilitation Services
In Network:
No Charge after deductible

Out of Network:
Not Covered
Rehabilitation Services (Speech)
In Network:
No Charge after deductible

Out of Network:
Not Covered
Rehabilitation Services (Occupational Therapy)
In Network:
No Charge after deductible

Out of Network:
Not Covered
Hospice Service
In Network:
No Charge after deductible

Out of Network:
Not Covered
Diabetes Care Management
In Network:
No Charge after deductible

Out of Network:
Not Covered
Durable Medical Equipment
In Network:
No Charge after deductible

Out of Network:
Not Covered
Nutritional Consuleling
In Network:
No Charge

Out of Network:
Not Covered
Reconstructive Surgery
In Network:
No Charge after deductible

Out of Network:
Not Covered

Doctor Visits

Primary Care Visit
In Network:
$25 first 3 visits then No Charge after deductible

Out of Network:
Not Covered
Specialist Visit
In Network:
No Charge after deductible

Out of Network:
Not Covered
Other Practitioner Office Visit
In Network:
No Charge after deductible

Out of Network:
Not Covered
Preventative Care / Screening / Immunization
In Network:
No Charge

Out of Network:
Not Covered

Emergency Room and Urgent Care

Emergency Room Services
In Network:
No Charge after deductible

Out of Network:
No Charge after deductible
Urgent Care Services
In Network:
No Charge after deductible

Out of Network:
Not Covered
Ambulance/Transportation Services
In Network:
No Charge after deductible

Out of Network:
No Charge after deductible

Drugs

Generic Prescription
In Network:
No Charge after deductible

Out of Network:
Not Covered
Retail Brand Drugs
In Network:
No Charge after deductible

Out of Network:
Not Covered
Non Retail Brand Drugs
In Network:
No Charge after deductible

Out of Network:
Not Covered
Specialty Drugs
In Network:
No Charge after deductible

Out of Network:
Not Covered

Additional Plan Information

Summary Of Benefits:

Provider Information:

HealthCare.com is a privately owned website, and monthly costs shown above are estimates only. Your monthly premium may change based on the data provided, outside fees, optional benefits or if other factors take effect before your coverage start date. Note that insurance companies reserve the right to change your premium rate and the policy terms at any time. Effective date, benefit amounts and other conditions may apply at the discretion of the insurance carrier you select. Depending on your state of residence, this website may not display all plans available by state. The Obamacare Tax Subsidy Calculator amounts are estimates only and the actual amount of subsidy eligibility may differ. Access to your physician depends on network selected, and networks can change without notice. Contact your health insurance company to confirm your healthcare provider is still available in the network you select.

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