Types of Humana Medicare Advantage Plans

Thanks to Medicare, Humana can offer several types of Medicare plan options together with a depth of experience. You may be able to find medical coverage that suits your medical needs depending on your area of residence.

What is Humana?

Humana is a private insurance company with a contract with Medicare that allows it to offer certain health benefits to members. It is different from Part A and Part B Original Medicare, which is a federal health insurance program where you pay a fee for service. Because it is a private company, it has a huge say in determining premiums, as well as the out-of-pocket cost of Humana Medicare Advantage plan. Prices may also vary according to your area of residence.

Types of Medicare Advantage plans from Humana

If you’re thinking of getting a new plan, then you may want to check out one of the plans that Humana offers in your service area. Always remember, not every Medicare plan that Humana offers will be available in your area. In addition, the details and plan premiums are likely to vary depending on your location. Here are some of the plans that Humana offers:

Humana Medicare Advantage Plans 2019

  • Health Maintenance Organization (HMO) plans

HMOs tend to have lower out-of-pocket costs and premiums than what other types of health plans offer. One of the requirements, however, is that you’ll receive all your care form the plan’s network provider (unless of course in cases where emergency care is required). Another requirement is that you select a primary care physician. There are also cases where you’ll need to get referrals for specialist care and certain tests. Most Humana HMOs usually cover prescription drugs.

  • Preferred Provider Organization (PPO)* plans

With a PPO, you’ll be able to see any provider you like. However, using providers in the plan will save you some money. PPO plans also covers prescription drugs.

  • Private Fee-for-Service plans (PFFS)

With PFFS plan, you’ll be able to receive care from any provider that accepts the T&C of Humana’s PFFS plan. Try to verify this by calling the provider before your appointment. That way, you’ll receive adequate care. Usually, Medicare PFFS plans cover prescription drugs. Humana Gold Choice PFFS plan, for example, provides all the benefits you enjoyed with Original Medicare together with prescription drug coverage.

There are also optional plans with additional benefits such as dental care and routine vision that can be added to your coverage.