I'm going to throw some gasoline on this fire:
https://www.humana-medicare.com/Plans/compare/details.aspx
"Physician and Hospital Costs:
Explains details for Physician and Hospital Costs Primary Care Physician: Specialist: Hospitalization:
$0.00 Copay per visit $0.00 Copay per visit $0.00 per admission
Amounts apply after any applicable deductible.
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Outpatient Mental Health Care
General
Information for Outpatient Mental Health CareAuthorization rules may apply.
In-Network
Benefits for Outpatient Mental Health Care$0 copayment for each Medicare-covered individual or group therapy visit.
Outpatient Services/Surgery
General
Information for Outpatient Services/SurgeryAuthorization rules may apply.
In-Network
Benefits for Outpatient Services/Surgery$0 copayment for each Medicare-covered ambulatory surgical center visit.
$0 copayment for each Medicare-covered outpatient hospital facility visit.
Ambulance Services
General
Information for Ambulance ServicesAuthorization rules may apply.
In-Network
Benefits for Ambulance Services$0 copayment for Medicare-covered ambulance benefits.
Emergency Care
General
Information for Emergency Care$35 copayment for Medicare-covered emergency room visits.Worldwide coverage.If you are admitted to the hospital within 24-hour(s) for the same condition, you pay $0 for the emergency room visit
Outpatient Rehabilitation Services
General
Information for Outpatient Rehabilitation ServicesAuthorization rules may apply.
In-Network
Benefits for Outpatient Rehabilitation Services$0 copayment for Medicare-covered Occupational Therapy visits.
$0 copayment for Medicare-covered Physical and/or Speech and Langauge Therapy visits.
$0 copayment for Medicare-covered Cardiac Rehab services.
Durable Medical Equipment
General
Information for Durable Medical EquipmentAuthorization rules may apply.
In-Network
Benefits for Durable Medical Equipment$0 copayment for Medicare-covered items.
Diabetes Self-Monitoring Training, Nutrition Therapy, and Supplies
General
Information for Diabetes Self-Monitoring Training, Nutrition Therapy, and SuppliesAuthorization rules may apply.
In-Network
Benefits for Diabetes Self-Monitoring Training, Nutrition Therapy, and Supplies$0 copayment for Diabetes self-monitoring training.
$0 copayment for Nutrition Therapy for Diabetes.
$0 copayment for Diabetes supplies.
Colorectal Screening Exams
In-Network
Benefits for Colorectal Screening Exams$0 copayment for Medicare-covered colorectal screenings.
Immunizations
In-Network
Benefits for Immunizations$0 copayment for Flu and Pneumonia vaccines.
No referral needed for Flu and pneumonia vaccines.
$0 copayment for Hepatitis B vaccine.
Mammograms (Annual Screening)
In-Network
Benefits for Mammograms (Annual Screening)$0 copayment for Medicare-covered screening mammograms.
Inpatient Hospital Care
In-Network
Benefits for Inpatient Hospital CareNo limit to the number of days covered by the plan each benefit period.
$0 copaymentExcept in an emergency, your doctor must tell the plan that you are going to be admitted to the hospital.
Skilled Nursing Facility (SNF)
General
Information for Skilled Nursing Facility (SNF)Authorization rules may apply.
In-Network
Benefits for Skilled Nursing Facility (SNF)Plan covers up to 100 days each benefit period
No prior hospital stay is required.
$0 copayment for SNF services
Home Health Care
General
Information for Home Health CareAuthorization rules may apply.
In-Network
Benefits for Home Health Care$0 copayment for each Medicare-covered home health visit.
Chiropractic Services
In-Network
Benefits for Chiropractic Services$0 copayment for each Medicare-covered visit.Medicare-covered chiropractic visits are for manual manipulation of the spine to correct subluxation (a displacement or misalignment of a joint or body part) if you get it from a chiropractor or other qualified providers."
This Medicare Advantage Plan is for Medicare beneficiaries in Puerto Rico.
This is the link to the plans detailed Summary of Benefits - please review.
https://www.humana-medicare.com/BenefitSummary/2011PDFs/H4007012SBOSB11.pdf
