Humana Medicare Advantage plans are top of mind for many people who are interested in enrolling in an Advantage plan. Humana has set themselves apart from many other carriers by being able to establish a national presence.
Humana also offers Medicare supplement plans and stand-alone Part D drug plans.
Humana Advantage plans
When comparing Medicare Advantage plans, it best to keep in mind that plans are offered on a County by County basis. Many search for Medicare Advantage plans by State, but you may not find all plans available in your service area if you take that approach.
You can compare all Medicare Advantage Plans online by using the eHealthInsurance service or call 888 310-0376 to speak with a licensed agent.
Humana Gold Choice PFFS
Humana Gold Choice is a private fee-for-service (PFFS) Advantage plan. This plan has been popular, but because of legislative changes, premiums remain high.
A PFFS plans does not require that you use a network. In theory, you can choose any provider that accepts Medicare assignment, provided that provider accepts the plans payment terms and conditions. Your provider can also choose to accept your Humana PFFS plan (or any PFFS plan for that matter) on a visit-by-visit basis.
Humana Gold Plus HMO
Humana Gold Plus utilizes a Health Maintenance Organization to deliver their Medicare Advantage benefits. A HMO is often a popular plan in densely populated areas where strong provider networks can be assembled. A HMO typically requires members to choose a primary care physician that manages referrals as needed to other service providers and specialists.
Humana Gold Plus has been a popular plan due to low out-of-pocket costs, and in most areas, a suitable provider network. If you cannot accept the limitations of a HMO network, you may want to consider another plan.
Humana Choice PPO
Humana Choice offers its members a network of preferred providers. One benefit of a Preferred Provider Organization is the freedom of choice that you have if you want to go out-of-network for a covered service. With a PPO, you will generally have less out-of-pocket cost if you can receive your services in network. Co-pays are often higher if you utilize non-network providers. But it’s nice to have the freedom should you choose to do so.
Humana Medicare Part D
Humana’s Medicare Advantage plans most often include Part D drug coverage, but many people who choose a Medicare supplement purchase a Humana Medicare Part D plan. Humana offers four plans:
- Humana Enhanced
- Humana Value
- Humana Complete
- Humana Walmart Preferred RX
A visit to the Medicare website will allow you to compare Humana Medicare Advantage plans and Part D drug plans to all of the other plans available in the County in which you live.
The key to choosing a Humana Medicare Advantage plan is finding the right plan to meet your needs and budget. Also, if you are currently enrolled in a Medicare Advantage plan, it doesn’t
hurt to compare Advantage plans during the Annual Enrollment Period. If you are leaning towards an Advantage plan, a look at Humana Medicare Advantage plans may be a smart move.