She has big costs.
Then the Humana $53 a month premium is probably the best for her.
The tricky words in all the plans is you pay a certain amount and the plan pays a certain amount until the two together equal $2500. Then there is the GAP until YOU HAVE PAID $3000 out of pocket. The Humana Plan is the only one who has a plan to cover this GAP. A lot of people don't need to be in this plan but a lot of people do.