Humana Medicare Advantage Plans 2022
Humana Medicare Advantage plans for 2022 are offered in each of the 50 states. Advantage plans from Humana are offered in over 84% of the total counties. It makes Humana one of the largest private insurance providers in the country.
The majority of plans from Humana are highly rated because of customer satisfaction and quality. Also, the company offers amazing additional benefits in which the users can interact using online mediums or even mobile phones.
Below we’ll talk about the Pros & Cons, Key Takeaways, and Company overview in detail. Read along for deeper insights.
- Plans are available throughout the country
- The plans are well rated and of high quality
- The plans do not ask for copayments in case of COVID-19 treatment and testing
- Unique pricing for some drug plans at Walmart
- Humana’s pharmacy is the best for home-delivered prescriptions
- Certain plans from Humana are not satisfactory enough
- Humana’s ownership might change
Plans are available throughout the country: Plans from Humana are found in more counties than other private insurers. Also, at least one plan type from Humana is available in all of the 50 states plus Puerto Rico.
The plans are well rated and of high quality: The Medicare Advantage Study ranked Humana 3rd in the category of Advantage Plans. Also, over 92% of the total members registered in Medicare are enrolled in plans that are rated four stars by the CMS.
The plans do not ask for copayments in case of COVID-19 treatment and testing: Amid the COVID-19 pandemic, health plans have waived copayments for COVID-19 treatment temporarily. Humana has extended the duration of these waivers for 2022, which is a great thing to do.
Unique pricing for some drug plans at Walmart: With Humana, you can find a low-cost drug plan which is in partnership with Walmart. It means the people who purchase this plan can get their prescriptions at lower prices in Walmart.
Humana’s pharmacy is the best for home-delivered prescriptions: If you’re enrolled in any plan from Humana, you can enjoy the mail orders directly at your home.
All You Need to Know
Several insurers across the country have waived the copayments for treatment and testing for COVID-19. But Humana has gone a step further by waiving copayments for testing and treatment of COVID-19 throughout 2022.
Certain plans from Humana are not satisfactory enough: An accrediting body that goes by the name NCQA has rated some plans from Humana as average or below average based on several factors, including customer satisfaction.
Humana’s ownership might change: Humana is an ideal acquisition target for several companies. After the acquisition, a lot can change, which is a big negative thing.
Several Advantage plans are available with Humana that bring along different costs, rules, and benefits. Enrollees with coverage for prescription drugs can save a lot of money through Humana Pharmacy. Humana Pharmacy was the top-rated pharmacy from 2018-2020 for its mail-order service.
With HMO plans, ideally, you need a referral from the primary care doctor in order to make an appointment with a specialist. However, if you are not happy, you can switch to PCP. Such plans offer coverage that Original Medicare offers along with several other benefits.
With a majority of Humana’s HMO plans, you’ll also get SilverSneakers fitness benefits, and others may offer coverage for prescription drugs.
PPO Plans: if you’re enrolled in a PPO plan, you would not need a referral from your PCP to see a specialist. Also, you can expect coverage from an expert who does not fall under the network coverage area of Humana. However, if you receive the care within the provider network, you’ll have to pay less.
Although certain benefits vary with location, most benefits will include: –
- Coverage for prescription drugs
- Home Health Services
- Nutritional Supplements
- Vision, hearing, and dental care
- Coverage for when you’ve to travel outside the country for treatment
PFFS or private fee-for-service plans never obligate its enrollees to get a PCP’s referral for visiting a specialist. Humana has a huge network that ensures that you get the care you need. In certain regions, Humana offers PFFS without a provider network. It means you can get coverage from any facility which accepts Medicare fee-for-service prices.
With PFFS plans from Humana, you get coverage for a majority of hospitalization care, emergency care, urgent care, and preventive screenings. Most plans will also cover your prescription drugs.
Stand-alone Plans for Prescription Drugs
PDP can help you cover the medications that the Original Medicare does not cover.
However, these plans will not offer other medical coverage or benefits. The PDP usually functions well along with Parts A and B of Medicare.
With Humana, you can find up to 3 PDP options.
Humana Walmart Value Rx Plan: It comes with the lowest copayments and premiums when it comes to drugs that belong to tiers 1 and 2. However, for the drugs that belong to higher tiers, the costs are more, and there’s a deductible also that you need to pay.
Humana Premier Rx Plan: it’s a very versatile plan from Humana that offers coverage for over 3700 prescription drugs even though the premium is more than other types of plans.
Humana Basic Rx Plan: If you fall in the low-income group and are eligible for extra help, you can opt for these plans. With this plan, you can get prescriptions for free or at low costs.
Medicare Advantage SNPs
With Humana, you can find two types of SNPs for individuals suffering from diabetes, heart failure, lung disorders, etc. The plans are: –
You can think of SNPs as Advantage plans for eligible individuals for both Medicaid and Medicare.
The D-SNP and C-SNPs bring along amazing benefits which are equivalent to Advantage plans. There are several other additional benefits too, which the insurer decides based on the population needs of the person.
All of the SNP members are also offered personalized support for managing conditions such as extra benefits, care coordination, etc.
With some SNPs from Humana, you can find several other benefits like vision, dental and hearing benefits, transportation expenses, fitness programs, etc.
Limited Income Newly Eligible Transition or LI-NET
The LI-NET program offers drug coverage for eligible individuals for low-income subsidiaries of Medicare and qualifies for the Medicaid and Medicare plans. It’s also known as Extra Help. This helps in covering the drug prescriptions on a temporary basis until the member registers for a Drug Plan from Medicare. Humana has been associated with this program since 2010.
A majority of Advantage plans bring along numerous extra benefits like vision, dental, vision, fitness, hearing aids, meal benefits, and whatnot. And such benefits have only increased in the past. In the year 2020, about 98% of the total Advantage plans sold to enrollees had telehealth benefits.
Most Advantage plans from Humana, including the SNP plans, which are Dual-eligible, come with vision, dental and over-the-counter allowances along with fitness programs, free hospital stays, etc.
The MAPD plans for the year 2022 bring along $0 telehealth copayments for: –
- Telehealth Primary Care
- Outpatient mental care
- Urgent Care
The enrollees of MAPD also do not have to pay copayments for testing or treatment of COVID-19. There’s an Insulin Savings program from Humana, which comes with individual prescription drug plans and MAPDs. With this program, the prices of medications for diabetes are capped at only $35 for 30 days.
Several other programs are also available with Humana, which are: –
- Go365: It rewards the enrollees for associating in healthy activities
- SilverSneakers: It includes numerous fitness programs
- Healthy Food Cards: it’s meant for Dual-eligible SNPs to help them purchase healthy beverages and food.
- Humana Well Dine: It’s a meal delivery benefit/program for anyone recovering from chronic disorders.
You can reach out to Humana’s customer care via phone or even online.
The phone support is available seven days a week between 08:00 A.M. to 08:00 P.M. The contact number is 800-833-6578, for all the existing members can use this number 800-457-4708.
For information on SNPs, you can use 888-328-6498 and can contact between 05:00 A.M. to 08:00 P.M. one can easily pay premiums or fill forms online. If you’re a Humana member, you can use the MyHumana app.
With this app, you can check coverage, check claims, benefits, and even view the ID card. Humana also answers basic queries on Twitter throughout the week between 06:00 A.M. and 08:00 P.M.
The NAIC entertains complaints against any insurance provider.
Here, if the insurer has a score of less than 1, it means there are less than expected complaints against the insurer. And if the rating is above 1, it means the registered complaints were more than expected.
Humana has always been improving.
In 2017, it had an overall index of around 3.61, which fell to 2.17 in 2018 and stood at 1.0 in the year 2019. It means Humana Medicare Advantage plans 2022 are quite reliable.
It’s a reliable credit rating company that assesses insurers based on their financial strength. This agency rated the financial strength of Humana as Excellent or A-. A- means that the company can meet the insurance obligations easily.
NCQA is a top accreditation company that also rates the plans on the basis of customer satisfaction and quality of health care. The NCQA rated Humana 2 and 4 out of 5.3 in 2019 and 2020 ratings. These scores were measures based on customer satisfaction as to how the customer got the care he needed, satisfaction with the healthcare facility, doctors, and plans.
Numerous plans from Humana scored 4 out of 5 based on the satisfaction of customers with the plan. However, with NCQA, you can not get a taste of the entire plan. An overall better score can somewhat mask the low satisfaction rates. And a low rating doesn’t always mean that the plan was not satisfactory.
J.D Power measures the member satisfaction with Advantage plans. It ranked Humana 3rd with an overall score of 806 points out of 1K. The industry average is 800, which Humana barely surpasses.
Medicare Star Rating
The CMS uses a 5-star quality-based rating system for rating Prescription drugs and Advantage plans. It considers several factors such as how well the customer manages his chronic condition, customer service, and overall plan experience. CMS also includes the member complaints in this rating.
The Star rating varies with states, counties, and with plans too. 92% of the total Advantage plan of Humana in which people enrolled were rated at last four out of five stars in 2020.
The cost of healthcare plans from Medicare can be affected by numerous factors such as: –
- Your location
- The coverage type you need
- Insurance provider you choose
The ideal way for comparing plans and insurance providers in your region is by using the plan finder tool available on Medicare.gov. However, if you already know the plan type you want, it’ll be easier to do searches.
But with Humana’s website, you can conveniently compare the Advantage Plans without drug coverage with the drug coverage and even individual PDP all in a single search.
An important thing you should consider is monthly premiums. Also, you’ll find plans with premiums as low as $0 per month. Over 60% of total MADP plan beneficiaries in the year 2020 paid no premiums at all. The average amount of premium for Advantage plan enrollees without or with the premium is expected to be around $21 per month.
The cost of premiums is important but not the only factor to consider. The Advantage plans that come without or with the prescription drug coverage can sometimes include: –
The above-mentioned costs can sometimes outweigh the money you might save by opting for plans with a $0 premium.
Find the Specific MADP price range below: –
- HMO Plan – $0 – $130: Average price – $11.72
- PPO Plan – $0 – $201: Average price – $30.98
- PFFS Plan – $0 – $145: Average price – $60.08
- HMO Plan – $0 – $445: Average price – $11.72
- PPO Plan – $0 – $445: Average price – $30.98
- PFFS Plan – $160 – $445: Average price – $288.43
Stand-alone PDP costs may include: –
Humana Walmart Value Rx Plan:
This plan type has the lowest premium per month, which is about $17.20. There’s no deductible for tier one and tier two drugs. There’ll be a minimum copayment for tier one and tier two prescriptions which is $1 and $4, respectively.
The above rate is if you visit preferred pharmacies.
If you visit non-preferred pharmacies, the copayments are $10 and $20. For tiers three, four, and five, there’s a deductible of $445 and a coinsurance and no copayments.
Humana Premier Rx Plan: The monthly premium can vary from location to location but always remains within this limit: $58.30 – $72.50. for tiers one and two, you need not pay any deductible. But for tiers three, four, and five, there’s a deductible of $445.
From preferred pharmacies, the copayments for tiers one and two are $1 and $4, respectively.
And from non-preferred pharmacies for tiers one and two, the copayments are $5 and $10, respectively. For tier one and tier 2, you need not pay a copayment for mail orders.
Humana Basic Rx Plan:
If you’re from a low-income group, eligible for Extra Help, and get assistance to cover the costs of medications, this plan is for you. Ideally, the premium always stays between $19.70-$45.00 and varies with your location.
For tiers one and two, the copayments are at $0 and $1, respectively, if you visit preferred pharmacies.
And if you visit non-preferred pharmacies, this amount can be $1 and $2, respectively. There is no copayment for mail orders tier one and two medications. Coinsurance is limited to tiers 3,4, 5and 9.
Competition: UnitedHealthcare vs. Humana
Both UnitedHealthcare and Humana are the top insurance providers that have the best coverage.
Humana options are available in over 84% of the counties, UnitedHealthcare options are available in 66% of the counties, and 60% of counties have both options available.
UnitedHealthcare is the largest insurance provider in the country, which has a market share of over 14% and a $160 billion revenue. UnitedHealthcare is partnered with AARP, which gives it an advantage over other insurers.
UHC comes with slightly better Star Ratings.
Both Humana and UnitedHealthcare come with applications or online tools and several options for getting support. UHC gives an opportunity to the enrollees to find a plan with customized cost estimators and recommendations.
When it comes to choosing the plans, both Humana Medicare Advantage plans 2022 and UnitedHealthcare 2022 can get the job done. However, you should always consider the location, benefits, costs, and plan rating according to where you live.