Humana Medicare Advantage HMO Plans
Do you have a Medicare plan? Does it provide enough coverage? I am afraid your answer is no. Let’s throw a brief light on Medicare Parts A and B. Both provide medical and emergency coverage only. However, you have to pay for prescription drugs, dental checkups, vision care and a visit to the clinic for general well being from your pocket.
If you want to expand your original Medicare coverage, the best thing you can do for yourself is enrolling in the Medicare Advantage plan.
Choose the Humana Medicare Advantage plan
Medicare Advantage plan by Humana comes with the benefit of the original medical some additional benefits like vision, dental, wellness, and prescription drugs.
There are some Humana plans that even provide caregiver support, pharmacy delivery, local community centers, and fitness programs. You can only be eligible for the Humana Medicare Advantage plan if you have original Medicare. Other eligibility criteria include living in the plan’s service area and being in the final stage of renal disease.
Medicare Advantage 2021
About Humana Medicare Advantage Plan
Are you interested in enrolling for the Humana Medicare Advantage plan? You will find all the information here such as the monthly costs and other factors impacting the plan.
Types of Plans
Humana offers 4 types of Medicare Advantage plan. However, all these plans may not be available in all locations.
- Humana HMO plans
- Humana PPO plans
- Humana PFFS plans
- Humana Medicare Advantage Special Needs Plans (SNPs)
Let’s dig into the details of each one:
Humana HMO
This one offers affordable copayments so that you don’t have to put all the burden on your pocket. You must stick to the in-network doctors for your visits or treatments.
Humana PPO
To make the copayments affordable, these plans offer mid-range out pocket costs. Once you are enrolled in one of these plans, feel free to visit any Medicare-approved doctor accepting the Humana plan terms.
The purpose of PPO (Preferred Provider Organization) is to offer the member the freedom to choose any doctor from the network of providers who accept the terms of the Humana Plan. You will be paying less cost if you stay within the network. The predictable coinsurance and copayment help you ensure your healthcare costs stay within your budget.
Humana PFFS
Under this plan, you can visit any Medicare-approved doctor agreeing to the terms of this plan. Be prepared for some out of pocket expenses.
PFFS is similar to Medicare advantage part C. It determines how much you will be paying your doctor, hospital and healthcare provider as you get care. PFFS includes the following benefits:
- Option to see any Medicare-approved doctor or provider accepting the terms and conditions of PFFS
- Full coverage for annual preventive screenings
- Prescription drug coverage
- Hospitalization coverage
- Emergency coverage around the world
Humana Special Needs Plan
Also known as SNP, you must first have to qualify for it. For eligibility, you must have a qualifying medical condition or must be eligible for Medicare and Medicaid. This plan is designed for meeting the unique needs of the qualifying beneficiaries. For instance, the beneficiaries are those having:
- Particular chronic health condition
- Are eligible for Medicaid and Medicare
- A resident of a long-term care facility
The plan offers extra coverage to take care of the health of the patient in special conditions.
Medicare Advantage 2021
Why Choose Humana?
Humana cares about the wellbeing of its customers. Founded in 1984, it started with the mission to help its members live an active, healthy and rewarding life. Most of the Medicare Advantage Plans by Humana offer the coverage people need by keeping out of pocket costs to be as minimum as possible.
HMO plans come with all the benefits of original Medicare plus coverage for prescription drugs and some extra benefits such as:
- Option to choose a primary care physician from the provider network of the plan
- Affordable monthly premiums. In some cases and areas, the premium is even $0
- Prescription drug coverage (Equal to or even better than the Medicare plan D)
- Emergency coverage worldwide
- Annual preventive screening without any additional cost
- In-patient care coverage
- SilverSneakers fitness program membership
You can choose any doctor you like from the network provided by the HMO plans. This doctor will be your primary care physician. If you wish to see any other provider or a specialist for your underlying condition, a referral from your primary care physician will be required.
The plan also covers unlimited visits to a medical doctor with affordable copayments. Similarly, you can see your physician as often as needed. If at any point, you feel like changing your doctor, you are free to do it. A member can switch to a different doctor within the network whenever they wish to.
Medicare Advantage 2021
Benefits of Humana Medicare Advantage Plans
Those who are planning to enroll for a Medicare Advantage Plan must check out the benefits of HMO plans:
Original Medicare
HMO plans cover all the benefits of original Medicare. That means you will be getting some extra benefits other than the standard Medicare coverage.
Coverage For Medical, Hospital, And Prescription
You will have medical, hospital and prescription coverage all under one manageable plan. Most of the Medicare Advantage Plans cover prescription drugs. However, you get the same kind of coverage with Original Medicare, you would have to buy a separate plan to cover your prescription drugs which meant paying a separate premium.
More Coverage
With HMO plans, you get additional coverage which is not a part of Medicare Plan A and Plan B. This includes vision, dental, hearing care, prescription drugs, and gym membership.
Limits Of Out Of Pocket Cost
Once you enroll in the Medicare Advantage Plan, it will automatically impose limits on annual out of pocket spending. The amount varies from plan to plan and it might change yearly. Even if you know your current health status, it is hard to predict what you may need in the future. Knowing that there is a limit to how much you would be spending annually will make you feel more confident.
HMO plans can make a positive difference in your financial life and healthcare.
