Humana Medicare Advantage Plans
Humana is one of the top 3 biggest private health insurance carriers in the USA. Humana aims at helping people improve their health & wellness.
The company is headquartered in Louisville in the state of Kentucky and rolled out its insurance plans in the year 1984.
One of the most popular and common plans offered by this company is Humana Medicare Advantage Plans. Read along to know more.
Benefits offered by Humana Medicare Advantage
To fill the Parts B and A of Medicare gaps, you can choose from a range of plans. These supplement plans are available with private insurance carriers like Humana.
Medicare Advantage plans are a popular example of the plans offered by Humana.
The Original Medicare covers you for outpatient, i.e., Part B, and inpatient expenses, i.e., Part A.
The Humana Medicare Advantage Plans are a complete package offering your coverage for all parts of Original Medicare.
Such plans offer coverage for medical and hospital fees. There are also some plans that can cover the prescription drug expenses as well.
The Part C plans from Humana offer extra services such as annual vision, dental, and hearing checkups.
You may get medicines delivered at your home and fitness memberships too. The plans from Humana can help you reduce the money that you spend on expenses going from your pocket.
Let’s suppose your medical fees are less than Humana’s Advantage plan’s coverage.
Now, the difference belongs to you.
Humana Medicare Advantage Plans
Here are the Advantage plans you can get from Humana: –
Humana HMO Plans
The HMO plans are one of the most affordable ones. And sometimes, depending on where you live, you can also get plans with a 0$ premium.
With Humana’s HMO plan, you can get coverage for Part D, Part A, and Part B of Medicare.
Humana offers a set of professionals and healthcare facilities that work in accordance with Humana.
Once you register for the HMO plan type, the professionals will help you with zero deductibles along with minimum copays.
You will be required to choose a PCM within Humana’s network of providers.
And in case of emergency situations, there’s no need for you to get in touch with your Primary Care Physician. Also, emergency coverage is always active regardless of where you are in the world.
Humana PPO plans
The PPO plan from Humana gives you the freedom to take coverage even when you’re not present in the provider network.
You can use any medical facility according to the situation or circumstances. However, experts recommend going for an in-network provider as it saves good money.
In Humana’s PPO plans you need not contact PCP for referrals if you want to see some specialist.
Also, these plans from Humana come with low premiums, fitness memberships, preventive screening cover, dental, visual, and even hearing coverage.
Humana PFFS Plans
Out of all Humana Medicare Advantage Plans, the PFFS is the most adjustable.
You can use almost any healthcare facility which accepts the plans from Humana. However, terms and conditions may apply.
This plan offers coverage for Part B, Part A, and Part D of Medicare and offers emergency coverage worldwide.
The coverage may also include regular checkups, preventive screenings, and fitness memberships.
The SNP or Special Needs Plan is meant for people who’re suffering from chronic diseases like heart failure, diabetes, cancer, etc.
If you’re registered for Medicaid and Medicare, only then can you use this plan.
Also, if you have been staying at a medical facility for quite a long time, you are eligible for this plan. This plan is available in over 20 states within America.
The SNPs are quite affordable. You can find plans that come with a premium as low as $0.
Humana Medicare Advantage Plans are quite flexible and can meet all your requirements.
However, you should never forget to consider your health requirements before making a choice. This way, you can find a plan that offers decent coverage and is affordable too.
To compare different plans, you can visit Humana’s website and make the right decision.