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What Medicare Advantage Plans Does Humana Have?

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Medicare Advantage (Part C) is another way to get the same Part A and Part B benefits as Original Medicare. Medicare-approved private insurance companies like Humana contract with the federal government to provide Part A and Part B benefits through a Medicare Advantage plan. Here’s a quick overview of how Medicare Part C works and the types of Medicare Advantage plans from Humana that may fit your situation.

How do Medicare Advantage plans from Humana work?

Medicare Advantage plans from Humana must provide at least the same level of coverage you’d have through Part A and Part B, but may also choose to offer other benefits, such as health wellness programs or routine vision benefits. In addition, some plans known as Medicare Advantage Prescription Drug plans include prescription drug benefits.

Please note that you can’t enroll in a Medicare Advantage plan from Humana that includes prescription drug coverage if you’re already enrolled in a stand-alone Medicare Prescription Drug Plan. The exception is if you’re enrolled in a Medicare Advantage plan that doesn’t include prescription coverage.

If you enroll in a Medicare Advantage plan from Humana, you’re still enrolled in Medicare; you’re just getting your coverage directly through Humana instead of the federal government. Keep in mind that regardless of whether you owe a premium for your plan, you’ll need to keep paying the Medicare Part B premium.

Types of Medicare Advantage plans from Humana

There are several available options when it comes to Medicare Advantage plans from Humana. Here’s a quick rundown of each type:

A Health Maintenance Organization (HMO) plan is a type of Medicare Advantage plan from Humana that typically requires you to use in-network providers to be covered (except for emergency care and out-of-area dialysis). If you need to see a specialist, you’ll need a referral from your primary care doctor. Out-of-pocket costs tend to be generally lower with this kind of Medicare Advantage plan from Humana.

A Preferred Provider Organization (PPO) plan is a type of Medicare Advantage plan from Humana that generally gives you more provider choice. Your out-of-pocket costs may be lower if you use doctors and hospitals from the plan’s list of in-network preferred providers, but you also have the option to go out of network (usually with higher out-of-pocket costs). Unlike an HMO, you generally are not required to select a primary care doctor with this type of Medicare Advantage plan from Humana.

A Private Fee-for-Service (PFFS) plan is a type of Medicare Advantage plan from Humana that lets you see any Medicare-approved provider that accepts the plan’s terms and conditions and will agree to provide treatment. One advantage is you have the flexibility of seeing any doctor or hospital that will accept the PFFS plan. However, note that providers may also choose to not contract with the plan.

A Special Needs Plan (SNP) is a type of Medicare Advantage plan that is only available to people who meet the specific eligibility criteria for the type of SNP, such as people who have certain chronic health conditions; live in a long-term care facility, or have both Medicare and Medicaid. These Medicare Advantage plans from Humana may offer specialized benefits, such as care coordination services. To qualify for this type of Medicare Advantage plan from Humana, you must meet the eligibility criteria for the SNP. Humana offers both Chronic-Condition and Dual-Eligible Special Needs Plans in certain areas. 

Learn more about Medicare Advantage plans from Humana

If you’re ready to find Medicare Advantage plans from Humana and browse options in your area, it’s easy to do so. Simply enter your zip code into the plan finder tool on this page to get started.

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