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Humana Medicare Insurance Plans: What You Need to Know

Humana is one of the leading private insurance companies contracted by the federal government to offer Medicare plans. If you want to enroll in a Humana Medicare plan, wrapping your head around the various Medicare plans Humana offers can feel fairly overwhelming. Here, we’ll explore the key things you need to know about Humana Medicare insurance to help you pick a suitable plan.

Types of Humana Medicare Plans

There are variety of Humana Medicare plans to suit various health needs, budgets, and lifestyles. They include the following:

  • Medicare Advantage (MA) plans
  • Medicare Supplement plans
  • Prescription drug plans

Medicare Advantage (MA) Plans

Original Medicare has two parts: A (hospital care) and B (medical insurance). Part A covers inpatient hospitalization, lab tests, and surgeries. Meanwhile, Part B helps cover doctor appointments, outpatient care, and specific preventive services. The federal government runs both parts.

Humana Medicare Advantage plans provide all the perks of Original Medicare, and most include prescription drug coverage. In addition, all Humana Medicare Advantage plans include coverage for routine dental, vision, and hearing care, while some plans also offer fitness programs.

However, unlike Original Medicare, Medicare Advantage doesn’t provide hospice care for patients with terminal illnesses.

Humana offers different types of Medicare Advantage plans. The most common ones include:

  • Health maintenance organization (HMO) plans: These plans typically offer lower premiums than other plans but require members to stay in-network for medical care and services.
  • Preferred provider organization (PPO) plans: These plans allow members to go out-of-network for medical care and services, but out-of-network providers generally charge more for their services.
  • Private-fee-for-service (PFFS) plans: These plans offer greater flexibility than other plans, but they require members to pay healthcare providers directly for services provided based on a predetermined rate.
  • Humana Medicare Supplement Plans

    While Original Medicare covers several medical expenses, it isn’t comprehensive. Medicare Supplement or Medigap plans fill the gaps left by Original Medicare by helping cover costs like deductibles, copays, and coinsurance.
    Across most states, Humana Medicare Supplement Plans are standardized into ten plans (A to N). These plans all provide essential Medicare coverage, but each offers unique benefits.
    However, Humana Medicare Supplement plans availability varies from state to state. Contact us to speak to a qualified Humana Medicare agent, and our Humana medicare provider will help you determine whether the Humana Medicare Supplement plans you’re considering are available where you reside.

  • Prescription Drug Plans

    Original Medicare doesn’t offer prescription drug coverage. Prescription drug plans (PDPs), also called Medicare Part D, can help cover the costs of prescription drugs, protecting beneficiaries from high drug costs.
    Generally, most Humana Medicare Advantage plans come with prescription drug coverage, but you can also purchase a Medicare Part D plan separately.
    Humana offers three Medicare Part D plans:
    Humana Walmart Value Rx Plan: Ideal for individuals who want an affordable plan and lower copays.
    Humana Basic Rx Plan: Ideal for individuals who qualify for Medicare Extra Help and want basic coverage.
    Humana Premier Rx Plan: Ideal for individuals who want comprehensive coverage but with higher monthly premiums.
    Choose the Right Humana Medicare Plan
    There’s no one-size-fits-all Humana Medicare insurance plan. Depending on your health needs, budget, and preferences, one plan may suit you over another.
    Need assistance choosing the right Humana Medicare plan or finding a Humana Medicare provider in your area? Call us at 561-90-SHARK to speak to one of our Humana Medicare agents.