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Humana Medicare Advantage HMO Plans

At a glance:

  • $0 premium Medicare Advantage plans available in some areas1
  • Many plans offer prescription drug coverage and vision and dental benefits
  • Over 5 million people are enrolled in a Humana Medicare Advantage Plan2

Humana offers a few types of Medicare Advantage plans, including a type of Medicare Advantage plan called a Health Maintenance Organization (HMO).

Humana HMO plans provide the same coverage as Original Medicare (Medicare Part A and Part B). Certain Humana Medicare Advantage plans also offer additional benefits such as coverage for prescription drugs, dental and vision care.

This article will detail more about Humana HMO plans and some other Humana Medicare Advantage plan options. Your plan options may vary depending on your location.

Humana Medicare Advantage HMO

A Humana HMO plan might be a Medicare Advantage plan to consider, especially if you are looking to save on out-of-pocket health care costs and receive coordinated care from a network of dedicated providers.3

With a Humana HMO plan, you select a primary care physician (PCP) from your local provider network. You can see your PCP as often as you need, since the plan covers you with affordable copayments.

You’re not locked in once you pick your doctor, so you have the freedom to choose a different in-network PCP any time you like.

If you need to see a specialist for any medical care, you will likely be required to get a referral from your PCP.

How Much Does a Humana HMO Plan Cost?

If you are enrolled in a Humana HMO plan, your monthly costs will vary depending on which medical facilities you visit and what medical services you need.

Humana HMO plans offer monthly premiums as low as $0 in some areas.1 This type of plan may offer lower out-of-pocket costs than other types of Medicare Advantage plans.

What Benefits May Humana HMO Plans Offer?

Humana Medicare Advantage plans provide the same coverage as Medicare Part A (hospital insurance) and Part B (medical insurance). Certain Humana Medicare Advantage plans offer additional benefits not covered by Original Medicare.

Some of these added benefits and resources may include:

  • Caregiver support and resources
  • Convenience and potential savings for prescription drugs when using preferred cost-sharing mail-delivery pharmacy
  • Membership in the SilverSneakers® fitness program
  • No additional cost for most annual preventive screenings

What Are My Humana Medicare Advantage Plan Options?

Humana offers four Medicare Advantage plan types:

  • Humana HMO plans
  • Humana PPO plans
  • Humana PFFS plans
  • Humana Medicare Advantage Special Needs Plans

Humana PPO plans feature mid-range out-of-pocket costs. A Humana PPO plan gives you the flexibility to seek care from any in-network doctor, hospital or specialist or any Medicare-approved provider outside of your plan network, as long as they accept Humana’s plan terms and agree to bill the plan.4

If you use a doctor or hospital that is outside of the plan’s network, your costs could be higher.

Humana PFFS plans also have mid-range out-of-pocket costs. With this type of plan, you can visit almost any Medicare-approved doctor, as long as they accept Humana’s plan terms and agree to bill the plan.5

Humana Medicare Advantage Special Needs Plans (SNPs) are a type of Medicare Advantage plan available to beneficiaries who meet certain criteria. Humana offers SNPs to beneficiaries who are eligible for both Medicare and Medicaid, beneficiaries who have certain qualifying medical conditions, and beneficiaries who require more than 90 days of institutionalized care.

In addition to combining Medicare Part A and Part B benefits with prescription drug coverage, these plans are tailored to better meet the needs of the beneficiaries they serve. You must meet the specific conditions of the SNP to be eligible.6

How Do I Enroll in a Humana Medicare Advantage Plan?

Call   TTY Users: 711 24 hours a day, 7 days a week to speak with a licensed sales agent7 and to find a Medicare plan from Humana that may be right for you. There is no obligation to enroll in a plan.

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