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Medicare Plans Available from Humana

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Humana offers a wide range of Medicare plan options and a depth of experience with Medicare. Depending on where you live, you may be able to find a Medicare plan from Humana that suits your needs.

Unlike Original Medicare (Part A and Part B), which is a federal fee-for-service health insurance program, Humana is a private insurance company that contracts with Medicare to offer benefits to plan members. As such, out-of-pocket costs and premiums of Humana’s Medicare plans are largely determined by the company, and may vary depending on where you live.

What are Medicare Advantage plans from Humana?

If you’re looking for an alternative way to get your Original Medicare benefits, you might want to consider the Medicare Advantage (Medicare Part C) program. Under this program, private, Medicare-approved insurance companies provide your Part A and Part B benefits (except for hospice care, which Part A still covers). Humana may offer Medicare Advantage plans in your area. Here are a few types of Medicare Advantage plans Humana offers (availability may vary):

  • Humana MedicareAdvantage Health Maintenance Organization (HMO) plans
    HMOs generally have lower premiums and out-of-pocket costs than some other types of Medicare Advantage plans; however, you are typically required to get all your care from the plan’s network providers (except for medically necessary emergency care). You usually also need to select a primary care physician; in some cases, you will need referrals for certain tests and specialist care. Most Humana Medicare Advantage HMOs include coverage for prescription drugs.
  • Humana MedicareAdvantage Preferred Provider Organization (PPO)* plans
    PPOs give you the flexibility to see any provider you like, but you’ll typically save money by using providers in the plan Prescription drug coverage is usually included in Humana Medicare Advantage PPOs.
  • Humana MedicareAdvantage Private Fee-for-Service plans (PFFS)
    These plans let you see any provider that accepts Medicare and the terms of your Humana PFFS plan. You may want to verify this before you get care by calling your provider before your appointment. Medicare PFFS plans often include coverage for prescription drugs. For example, Humana Gold Choice PFFS plans combine all the benefits of Original Medicare with prescription drug coverage and more.

Humana also offers optional plans with additional benefits, such as routine vision and dental care, which you can add onto certain Humana Medicare Advantage plans. You must continue to pay your Medicare Part B premium when you enroll in a Medicare Advantage plan, plus any additional premium required by Humana.

What are Medicare Part D Prescription Drug Plans from Humana?

Original Medicare, Part A and Part B, doesn’t cover most prescription medications you take at home; its coverage of prescription drugs is very limited. If you decide to stay with Original Medicare (as opposed to signing up for Medicare Advantage), you can enroll in a stand-alone Medicare Part D Prescription Drug Plan from Humana to help cover your medications.

If you are enrolled in Medicare Part A and/or Part B, you can enroll in any stand-alone Medicare Prescription Drug Plan as long as you live within the plan’s service area… However, you can only enroll during certain election periods. If you sign up for a stand-alone Medicare Part D Prescription Drug Plan (or a Medicare Advantage Prescription Drug plan) as soon as you are eligible for Medicare, you can avoid the Part D late-enrollment penalty. This is a penalty you would pay along with your monthly Part D premium, and you’d pay the penalty as long as you have Medicare prescription drug coverage. Medicare charges this penalty if you go without creditable prescription drug coverage for at least 63 days in a row after your Medicare Initial Enrollment Period has ended.

Medicare Part D Prescription Drug Plans use formularies, or lists of approved medications, to determine benefits. If you take prescription drugs on a regular basis, be sure to check the plan formulary before you decide to enroll. Humana provides this tool to help you search for your medications. Plans may change their formularies at any time, but you will receive notice from your plan when necessary.

What are Medicare Supplement plans?

If you decide to stay with Original Medicare, you may want to consider a Medicare Supplement plan to help with your Part A and Part B out-of-pocket costs. Unlike other types of Medicare plans, benefits for Medicare Supplement plans are standardized at the federal level in most states (Massachusetts, Minnesota, and Wisconsin standardize their Medigap plans separately). Premiums, however, may vary among plans.

Each standardized plan covers different combinations of out-of-pocket Medicare expenses, such as the Part A deductible and Part B coinsurance amounts. Some Medigap plans cover limited expenses for medical care during foreign travel.

Keep in mind that standard Medicare Supplement plans don’t cover costs associated with routine vision, dental, and hearing care, prescription drugs, and long-term custodial care in a nursing facility. Some companies do offer innovative benefits above the standardized benefits such as vision and dental.

To start comparing Medicare plan options in your vicinity, just fill in your zip code in the zip code field at the top of this page.

*Out-of-network/non-contracted providers are under no obligation to treat Humana members, except in emergency situations. For a decision about whether Humana will cover an out-of-network service, we encourage you or your provider to ask Humana for a pre-service organization determination before you receive the service. Please call Humana’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

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