Humana Medicare Plans

Humana offers a wide variety of Medicare plans, including Medicare Advantage plans, Medicare stand-alone prescription drug plans and Medicare Supplement Insurance plans.

This article will provide an overview of each Humana Medicare coverage type, and some of the plan options and benefits that may be available.

Humana Medicare Advantage Plans

Humana Medicare Advantage plans provide the same coverage as Original Medicare (Medicare Part A and Part B), and some plans may include additional benefits coverage, such as:

  • Prescription drug coverage
  • Dental care
  • Vision care

Certain Humana Medicare Advantage plans also offer other benefits such as fitness programs, access to mail-order pharmacy services, caregiver support and a 24/7 nursing advice line.1

You may be able to enroll in a plan with a $0 monthly premium.2

About 3.3 million people are enrolled in a Humana Medicare Advantage plan.3

Humana offers three Medicare Advantage plan types:

  1. Humana Gold Plus® HMO
  2. HumanaChoice® PPO
  3. Humana Gold Choice® PFFS

The Humana Gold Plus® HMO plan requires you to choose an in-network primary care doctor. The plan offers affordable copayments, has no annual deductible and generally has a lower out-of-pocket maximum than Humana’s PPO and PFFS plans.

The HumanaChoice® PPO plan lets you visit any Medicare-approved doctor who accepts Humana’s plan terms and agrees to bill the plan. The plan offers affordable copayments, has an annual deductible and has mid-range out-of-pocket maximum compared to Humana’s HMO and PFFS plans.

The Humana Gold Choice® PFFS plan lets you visit almost any Medicare-approved doctor who accepts Humana’s plan terms and agrees to bill the plan. The plan offers affordable copayments, has an annual deductible and has a higher-range out-of-pocket maximum compared to Humana’s HMO and PPO plans.

Your plan options may vary depending on your location.

Humana Medicare Stand-Alone Prescription Drug Plans

Humana Medicare prescription drug plans offer stand-alone prescription drug coverage for Medicare beneficiaries. The plans work with Original Medicare (Medicare Parts A and B), Medicare Supplement Insurance plans and certain Medicare Advantage plans.

About 5.3 million people are enrolled in a Humana Medicare prescription drug plan.3

Your plan out-of-pocket costs will vary depending on which prescription drugs you take and which pharmacy you use.

Each plan charges different copayments or coinsurance when you fill a prescription within each tier. The tiers range from Tier 1, Preferred Generic, up to Tier 5, Specialty Tier. For example, if you get a generic prescription from Tier 1, your copayment may be significantly lower than if you get a specialty prescription from Tier 5.

Humana offers three Medicare stand-alone prescription drug plans:4

  1. Humana Walmart Rx Plan™ (PDP)
  2. Humana Preferred Rx Plan™ (PDP)
  3. Humana Enhanced™ (PDP)

The Humana Walmart Rx Plan™ (PDP) has a $0 annual deductible for Tiers 1 and 2 and a $405 annual deductible for Tiers 3, 4 and 5. Once your deductible is met, you will have to pay a certain copayment or coinsurance when you fill a prescription.

The Humana Preferred Rx Plan™ (PDP) has a $405 annual deductible for Tiers 1, 2, 3, 4 and 5. Once your deductible is met, you will have to pay a certain copayment or coinsurance when you fill a prescription.

The Humana Enhanced™ (PDP) plan has a $0 annual deductible for Tiers 1, 2, 3, 4 and 5. You will have to pay a certain copayment or coinsurance when you fill a prescription.

Your plan options and cost sharing may vary depending on your location.

Humana Medicare Supplement Insurance Plans

Humana Medicare Supplement Insurance plans work with Original Medicare and help cover Medicare out-of-pocket costs such as certain copayments, coinsurance and deductibles.

Medicare Supplement Insurance plans are standardized by the federal government and work with Original Medicare and Medicare stand-alone prescription drug plans. You cannot have a Medicare Advantage plan and a Medicare Supplement Insurance plan at the same time.

Humana offers eight Medicare Supplement Insurance plans in most states.5 Your plan options may vary depending on your state, including in Massachusetts, Minnesota and Wisconsin. Plans are standardized differently in those three states.

A licensed insurance agent6 can help you find out which Humana Medicare plan is right for your coverage needs. Simply call  TTY Users: 711 24 hours a day, 7 days a week, or request a free plan comparison online, with no obligation to enroll in a plan.

 

More Humana Articles

 

1Humana. Learn more about Humana Medicare Advantage plans. Retrieved from https://www.humana.com/medicare/products/medicare-advantage.

2You must continue to pay your Medicare Part B premium.

3Humana. 2017 Annual Report. Retrieved from https://humana.gcs-web.com/static-files/c7a3ff1d-4a42-44b1-9284-342d4997366f.

4Humana. Humana prescription drug plans (PDP). Retrieved from https://www.humana.com/medicare/products/drug-plan.

5Humana. Medicare Supplement Insurance plans. Retrieved from https://www.humana.com/medicare/products/supplement. 

6TZ Insurance Solutions LLC/TruBridge licensed agents who may call you are not direct employees of Humana and are not connected with or endorsed by the U.S. Government or the federal Medicare program.

Copyright © 2018 TZ Insurance Solutions LLC. All rights reserved.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.

MedicareAdvantage.com is a website owned and operated by TZ Insurance Solutions LLC. TZ Insurance Solutions LLC is a licensed and certified representative of A Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any plan depends on contract renewal.

TZ Insurance Solutions LLC and the licensed sales agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. This website does not contain a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call (877) 486-2048), 24 hours a day / 7 days a week or consult www.medicare.gov.

Not all plans or products are available in all markets. Additional plans may be available in your service area.

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share may change on January 1 of each year.

The Formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.

A Private Fee-for-Service plan is not Medicare supplement insurance. Providers who do not contract with our plan are not required to see you except in an emergency.

Humana’s pharmacy network offers limited access to pharmacies with preferred cost sharing in urban areas of AL, CA, CT, DC, DE, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NY, OH, OR, PA, RI, SC, SD, TN, VA, VT, WA, WI, WV; WY; suburban areas of AZ, CA, CT, DC, DE, HI, IA, IL, IN, MA, MD, ME, MI, MN, MO, MT, ND, NH, NE, NJ, NY, OH, OR, PA, PR, RI, SD, VT, WA, WV, WY; and rural areas of AK, IA, MN, MT, ND, NE, SD, VT, WY. There are an extremely limited number of preferred cost share pharmacies in urban areas in the following states: CT, DE, MA, MD, ME, MI, MN, MS, NC, ND, NY, OH, RI, SC, VT, WA; suburban areas of: MT and ND; and rural areas of: ND. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including pharmacies with preferred cost sharing, please call Customer Care at 1-800-281-6918 (TTY: 711) or consult the online pharmacy directory at Humana.com.

This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan’s nondiscrimination policy, please click here.

MULTIPLAN_GHHK62ZEN Accepted

Last Updated 5/31/2018