Humana Medicare Advantage Reviews
Did you know that over 4 million people are enrolled in the Humana Medicare Advantage plan? These plans fit the coverage needs and budget of most people. They put you in control of your healthcare needs and make it affordable.
Humana Medicare Advantage Plans At A Glance
In some areas, Medicare advantage plans are available at $0 premium. Most of the plans offer prescription coverage, dental, hearing and vision benefits. Some of the benefits also include fitness programs, caregiver support and access to mail order pharmacy services.
Who Is Eligible for Humana Medicare?
You can sign up for any of the Humana Advantage Plans if you meet the following eligibility criteria:
- About to turn 65, in your 65th birthday month or it has been 3 months since you have turned 65
- The beneficiary of the Social Security Administration Disability benefits
- You or your spouse has a Medicare Advantage Plan
- Employed but about to turn 65
Apart from all these scenarios, you must be a US citizen paying Medicare taxes.
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Your Options in Humana Medicare Advantage Plans
Humana plans include the following:
Humana HMO Plans
Health Maintenance Organization plans consist of a network of doctors, hospitals, and specialists contracted for the copay. They will be charging established rates. You are to choose a primary care physician from the network of the plan. This professional will then be responsible for your care. He can also refer you to other medical providers and specialists within the network depending on your medical condition.
These plans are preferred because of the less monthly premium and limited out of pocket expenses.
Humana PPO Plans
The Preferred Provider Organization Plan lets you see any doctor or specialist you like. Unlike the HMO plan, you don’t have to get a referral first. This option is great for those who wish to choose their own health provider and not like to be bound by the network given by the plan.
PPO has a higher monthly premium than HMO. However, to limit the out of pocket expense, you can always choose medical professionals from the plan’s network. The plan also includes free annual preventive screening. You won’t have to pay additionally for certain tests.
Humana PFFS Plans
Private Fee For Service plan allows you to see a Medicare-approved doctor. However, the medical professional you choose must agree to the Medicare Advantage PFFT terms and conditions of payment.
As per the terms and conditions, the provider must agree to offer a list of services covered by the plan which are deemed medically necessary. He must also be willing to accept payments in the amounts dedicated to the original Medicare.
The amount that must be paid to the healthcare provider and the portion of the cost born by the member is determined by the plan chosen by the member. Annual preventive screenings are fully covered under the plan.
Humana Medicare Advantage Special Needs Plans
If you have a chronic health condition such as last stage renal disease, lung disorder, diabetes, heart failure or you are eligible to receive Medicaid/Medicare, you qualify for the SNP plan.
This plan is available in a few states and location related restrictions apply. For example, if you have a chronic health condition and you are living in one of these states, only then you would qualify:
Florida, Indiana, Nevada, Texas, Kentucky, Virginia, Louisiana, Colorado, Indiana, and Illinois.
Some people would be qualifying for this plan because they are eligible to receive Medicare and Medicaid. For that, you must be living in one of the following states;
North Carolina, South Carolina, Ohio, Texas, Indiana, Florida, Louisiana, Montana, Kentucky, Missouri, California, Pennsylvania, Alabama, Washington, Tennessee, Nebraska, New York, Maine, Georgia, Puerto Rico.
Apart from providing coverage for hearing, medical, dental and vision care, some SNP plans also offer non-emergency medical transportations, allowance for OTC medications, gym membership program and some other benefits.
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How Much Is The Premium?
Once you enroll in the Humana Medicare Advantage Plan, your monthly costs vary depending on the plan chosen, the medical facility you would visit and medical services received.
As mentioned earlier, each plan has a different monthly premium. It will be low as compared to other providers. Humana’s plans are affordable. They fit the coverage needs as well as the budget of most users. In some areas, you can be enrolled in a plan with a $0 monthly premium.
The medical facilities and providers chosen by the member will impact your monthly cost. Some plans limit you to in-network providers only.
Your monthly premium will be affected by the medical services chosen. For instance, you have visited the doctor frequently and because of your medical condition, you needed specialty services, you will have to pay a higher monthly premium. You will have to pay the copayments, coinsurance, and deductibles for the services.
Medicare Advantage 2021
Additional Benefits of Humana
As you enroll yourself for the Medicare Advantage Plan, you entitled yourself to a few benefits free of charge.
- You can speak to registered nurses 24/7 and talk about health concerns related to your medical condition. You can also call them to get more information about the healthcare resources on Humana.
- You can receive the prescription drugs in your mailbox directly through the Humana pharmacy mail delivery service. It’s best for those who don’t have transport, face mobility issues or live at an extended distance from the pharmacy.
Do the Due Diligence before Signing Up
Keep on thing in mind, buying a Medicare Advantage Plan is no different than a big purchase like buying a car or a house. This plan will impact your budget and healthcare for years to come. Therefore, take as much time you want and weigh your options before signing up.
When it comes to the best Medicare Advantage Plans, the name of Humana is worth mentioning. It offers competitive benefits. All plans are not available in all states so do your research. From the 4 plans, decide which one offers the most benefits that are pertinent to your health and enroll in the one that meets your needs the best.