On a related note, the same plan in Texas, where we're moving to in a couple of weeks, is even higher than here in California. Not sure why either.
I would suggest investigating the various Humana Medicare Advantage programs for the specific county in Texas to which you are moving.
An intresting fact is that under Obama care, overall the charges must be less than 80 % of premiums. The payout must be at least 80%. I think I stated that right. Any way, I think Humana was bumping the limit.
To prevent exceeding the limit, they gave money back. In one instance, they provide $25 quarterly free over the counter medicine from their store. When I came home from the hospital, Humana sent a nurse to see how things were going. I ordered some sullpies and Humna provided ten meals by mail.
They did not refund money but refunded stuff.