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Humana LCMC Advantage H1951-051 (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Humana LCMC Advantage H1951-051 (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Humana LCMC Advantage H1951-051 (HMO) in 2026, please refer to our full plan details page.
Humana LCMC Advantage H1951-051 (HMO) is a HMO plan offered by Humana Inc. available for enrollment in 2025 to people living in New Orleans Area. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Humana LCMC Advantage H1951-051 (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Humana LCMC Advantage H1951-051 (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Humana LCMC Advantage H1951-051 (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month. Additionally, this plan comes with a Part B Premium reduction of $60.00. You must continue to pay paying your reduced Part B Premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has no drug deductible. Your prescription medication coverage will start immediately.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $2900.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Humana LCMC Advantage H1951-051 (HMO) plan features a $0 drug deductible, meaning your prescription coverage begins immediately. For Tier 1 preferred generics, there is no copay for 1-month or 3-month supplies at standard pharmacies and through preferred mail order. Tier 2 generic drugs cost a $5 copay for a 1-month supply at standard pharmacies and preferred mail order, with no copay for a 3-month supply through preferred mail order. Tier 3 preferred brand drugs require a $47 copay for a 1-month supply, with a slightly reduced $131 copay for a 3-month supply via preferred mail order. Higher-tier medications require coinsurance, with Tier 4 non-preferred drugs carrying a 50% coinsurance and Tier 5 specialty drugs requiring a 33% coinsurance. These options allow you to choose between standard retail pharmacies and mail-order services to optimize your prescription savings.
Additional Benefits
The Humana LCMC Advantage H1951-051 (HMO) plan offers robust coverage with low out-of-pocket costs, featuring no copay and no coinsurance for primary care visits, preventive services, and home health care. Inpatient hospital stays require a $65 daily copay for the first 10 days and no copay for additional days, while specialist visits and physical therapy are available with a $20 copay. Emergency care is covered with a $150 copay, which is waived if you are admitted to the hospital. This plan also provides valuable supplemental benefits, including comprehensive dental coverage up to a $3,000 annual maximum and routine vision exams with no copay, plus a $250 annual allowance for eyewear. Routine hearing exams and over-the-counter hearing aids are covered with no copay, though prescription hearing aids require a copay. For durable medical equipment and dialysis services, members will pay a 20% coinsurance with no copay.
Inpatient Hospital See details
Humana LCMC Advantage H1951-051 (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $65 daily copay for days 1 to 10 and no copay for days 11 through 90. Prior authorization is required, and while unlimited additional acute days are covered at no copay, additional psychiatric days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Humana LCMC Advantage H1951-051 (HMO) covers outpatient services with no coinsurance, offering no copay for ambulatory surgical center and blood services. Outpatient hospital services have a copay ranging from no copay to $100, while observation services require a $65 copay per stay and outpatient substance abuse sessions carry a $35 copay.
Partial Hospitalization See details
Partial hospitalization is covered by Humana LCMC Advantage H1951-051 (HMO) with a $35.00 copay and no coinsurance. Prior authorization is required to receive these services.
Ambulance and Transportation Services See details
Humana LCMC Advantage H1951-051 (HMO) covers ground ambulance services with a $335 copay and no coinsurance, and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered with no copay or coinsurance for up to 60 one-way trips per year to plan-approved locations, but transportation to any health-related location is not covered.
Emergency Services See details
Humana LCMC Advantage H1951-051 (HMO) covers emergency services with a $150 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services require a $65 copay and no coinsurance, while worldwide emergency, urgent, and transportation services are covered with a $150 copay and no coinsurance.
Primary Care See details
Humana LCMC Advantage H1951-051 (HMO) provides primary care physician services with no copay and no coinsurance, and specialist, physical therapy, and occupational therapy visits with a $20 copay and no coinsurance. Chiropractic services are partially covered with a $20 copay and no coinsurance, though routine chiropractic care is not covered, and podiatry services are not covered. Mental health, psychiatric, and opioid treatment services are covered with a $35 copay and no coinsurance, while telehealth options range from a $0 to $65 copay with no coinsurance.
Preventive Services See details
Humana LCMC Advantage H1951-051 (HMO) offers comprehensive coverage for preventive services, including annual physical exams, kidney disease education, and glaucoma screenings with no copay and no coinsurance. While supplemental benefits like fitness programs and in-home support are covered at no cost, several other services—including health education, weight management, and personal emergency response systems—are not covered.
Hearing Services See details
Humana LCMC Advantage H1951-051 (HMO) covers routine hearing exams and fitting evaluations with no copay and no coinsurance, while Medicare-covered exams require a $20 copay and no coinsurance. Unlimited OTC hearing aids are covered with no copay and no coinsurance, and prescription hearing aids are partially covered with a $299 to $599 copay and no coinsurance, excluding inner ear, outer ear, and over-the-ear models.
Vision Services See details
Humana LCMC Advantage H1951-051 (HMO) covers vision services with no deductible and no coinsurance, though prior authorization is required. Routine eye exams are covered with no copay (one per year), and eyewear is partially covered with no copay up to a $250 annual limit for contacts or complete eyeglasses, while individual lenses, frames, and upgrades are not covered.
Dental Services See details
Dental services are partially covered by Humana LCMC Advantage H1951-051 (HMO), offering up to a $3,000 annual maximum with no copay and no coinsurance for most preventive and comprehensive services, while Medicare-covered dental services require a $20 copay and no coinsurance. Fluoride treatment, maxillofacial prosthetics, implant services, and orthodontics are not covered.
Home Infusion bundled Services See details
Humana LCMC Advantage H1951-051 (HMO) covers home infusion bundled services with no copay and no coinsurance, though prior authorization is required. Associated Medicare Part B drugs, including chemotherapy, require no copay and 0% to 20% coinsurance, while Part B insulin has a $35 copay and 0% to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by the Humana LCMC Advantage H1951-051 (HMO) plan with no copay and a 20% coinsurance. Prior authorization is required for these services.
Medical Equipment See details
Humana LCMC Advantage H1951-051 (HMO) covers durable medical equipment, prosthetics, and medical supplies at a 20% coinsurance with no copay, subject to prior authorization. Diabetic supplies require a 10% to 20% coinsurance with no copay, while diabetic therapeutic shoes and inserts require a $10 copay.
Diagnostic and Radiological Services See details
Humana LCMC Advantage H1951-051 (HMO) covers diagnostic services with no coinsurance, featuring no copay for lab services and a $0 to $65 copay for diagnostic procedures. Covered radiological services require prior authorization and feature no copay for outpatient X-rays, copays starting at $0 for diagnostic radiology, and a $20 copay with 20% coinsurance for therapeutic radiology.
Home Health Services See details
Humana LCMC Advantage H1951-051 (HMO) covers home health services with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Cardiac rehabilitation services are not covered under the Humana LCMC Advantage H1951-051 (HMO) plan. This includes cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for symptomatic peripheral artery disease (PAD) services, which are all excluded from coverage.
Skilled Nursing Facility (SNF) See details
Humana LCMC Advantage H1951-051 (HMO) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring no copay for days 1 through 20 and a $218 daily copay for days 21 through 100. Prior authorization is required, and while a three-day prior hospital stay is not required before admission, additional days beyond the standard 100-day Medicare limit are not covered.
Other Services See details
Other services are partially covered by the Humana LCMC Advantage H1951-051 (HMO) plan, featuring acupuncture with a $20 copay and no coinsurance for up to 20 treatments per year. Over-the-counter items and chronic illness meal benefits are also covered with no copay and no coinsurance, while other miscellaneous services are not covered.
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