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Humana PPO Plans

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Humana Medicare PPO Plans: Essentials You Need to Know

Humana is a top health insurance company that offers various Medicare insurance plans. If you want to enroll in one of their PPO plans, read on to learn all the key things you need to know about Humana PPO plans.

Demystifying PPO Health Insurance

If you’ve been searching for a health insurance plan, you’ve probably encountered the terms PPO and HMO. But are they the same? Well, not quite.

A PPO, or Preferred Provider Organization, is a type of health insurance plan that offers more leeway. While PPO plans have a network of contracted healthcare providers, they offer you the freedom to receive care from other providers — including those out of your network. However, out-of-network providers generally cost more.

In contrast, an HMO or Health Maintenance Organization is a type of health insurance plan that’s more restrictive. Unlike a PPO, HMOs have a limited network of contracted healthcare providers.

With an HMO, you must visit in-network providers to access healthcare services. Additionally, with an HMO, you must receive a referral from your primary care physician (PCP) to see a specialist. These qualities make HMO plans relatively confining but typically more affordable.

Benefits of PPO Health Insurance

PPO health insurance offers many benefits, including:

  • Greater freedom: PPOs won’t limit you to healthcare professionals within your network like HMOs.
  • No referrals: PPOs won’t require you to get a referral to see a specialist
  • Ideal for traveling: PPOs allow you to visit out-of-network providers, making them ideal for coverage beyond state lines.

Humana Medicare Advantage PPO Plans

There are various Humana Medicare Advantage PPO plans to help seniors pay for medical expenses that Original Medicare (Parts A and B) doesn’t cover.

You can apply for one of their PPO plans if you’re:

  • 65 or older
  • A U.S. resident
  • A lawful permanent resident of the U.S. who has resided in the U.S. for at least five years continuously before applying for Medicare.

You may also qualify for a Humana Medicare PPO plan if you’re under 65 and have a disability, end-stage renal disease (ERD) or Lou Gehrig’s disease.

Some popular Humana Medicare Advantage PPO plans include:

  • HumanaChoice® PPO Medicare Advantage Plan

    HumanaChoice PPO is a popular Humana medicare PPO plan with a wide network of healthcare providers. The plan provides the same benefits as Original Medicare (Parts A and B).
    In addition, HumanaChoice PPO may offer other benefits, including:
    Prescription medication coverage
    Routine dental, vision, and hearing coverage
    Foreign travel emergency medical coverage
    Hospitalization coverage
    Annual preventive screening coverage
    Some plans may also offer perks such as:
    $0 copays for virtual consultations with your in-network primary care physician
    Caregiver support
    Mail-delivery prescription drug services
    Fitness programs

  • Humana USAA Honor Plans

    In partnership with USAA Life Insurance Company, Humana offers this plan to supplement healthcare benefits received through Veterans Affairs (VA). While the plan doesn’t replace VA coverage, it can provide veterans additional perks like $0 monthly premiums and Medicare Part B premium reduction.
    Humana Dental PPO Plans
    Humana Dental PPO plans focus primarily on covering the two most common types of dental care: basic and preventive. With Humana Dental PPO plans, you can receive up to two routine cleanings annually with in-network dentists. Plus, you’ll enjoy access to Humana’s vast network of dental providers, which includes up to 325,000 locations nationwide.
    Select the Humana Dental PPO Plan That’s Perfect for Your Needs
    All these Humana PPO plans are unique, and you may find one better suited for you than another. Still undecided about which is the right Humana PPO plan for you? Contact us today for a free, no-obligation consultation.