Humana Medicare Plans For 2022

About Humana

Founded in 1961, Humana is one of the leading insurance providers in the United States. Currently headquartered in Louisville, Kentucky, the company currently provides health insurance to more than 16 million people in the United States, including 8.4 million Medicare members. 

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Humana Medicare Plans Available

Humana offers various Medicare packages and supplementary plans, including Part A, B, and C (also known as Medicare Advantage) and Part D, which is Medicare’s drug plan. Medicare offers a number of “Medigap” plans, which can be purchased to provide additional coverage for charges such as foreign travel emergencies and extended hospital or hospice stays.

Original Medicare

Original Medicare is made up of Medicare Parts A and B. This type of Medicare coverage covers hospital stays and routine check-ups. Most U.S. residents get Original Medicare when they turn 65. 

Original Medicare plans offer wide-ranging medical coverage, but exclude comprehensive drug coverage, dental, vision, and hearing coverage. Original Medicare plans also do not cover lengthy hospital or hospice stays. 

Medicare Part A

Medicare Part A, also sometimes known as “hospital insurance,” covers inpatient hospital stays, nursing facility stays, hospice care, and some home health care. In addition, some prescriptions, such as those prescribed by a doctor during a hospital stay, may be covered. Usually, there is no premium for Medicare Part A. 

Medicare Part B

Medicare Part B, also known as general medical insurance, covers regular doctor’s visits, outpatient care, some medical supplies, and some preventive services. Medicare Part B requires enrollees to pay a monthly premium that is based on income. Enrollees must also pay a deductible before coverage begins. Once coverage has begun, generally, Medicare covers 80% of approved charges. 

If you are 65 or older and have received Social Security disability benefits for 24 months, you are automatically enrolled in Part A and Part B (Original Medicare).


Humana Medicare Advantage (Part C)

Medicare Advantage is a plan that covers both Parts A and B (Original Medicare) and adds Part D, which is prescription drug coverage. 

At Humana, Medicare Advantage plans cover hospital stays and emergency transportation, telehealth visits, preventive care, and specialist visits, lab work, X-rays, screenings and imaging, outpatient care and procedures, and medical supplies and equipment.

Humana’s Advantage plans are available in four categories: HMO plans, PPO plans, PFFS plans, and SNP plans. HMO (health maintenance organization) plans offer enrollees access to an extensive network of providers, from which they will choose a primary care provider. Prescription drug coverage, as well as dental, vision, and hearing care, are also offered with many HMO plans. 

PPO (preferred provider organization) plans allow members to see providers outside of the Humana network, though selecting from Humana’s network is often more inexpensive. 

These plans also offer some prescription coverage, travel, vision, hearing, and dental care. PFFS (private fee-for-service) plans allow members to choose any approved physician, while special needs plans allow members to choose a physician from within an approved network; both plans may also offer prescription, dental, vision, and hearing care. 

Humana Medicare Part D – Drug Plans

Humana has three available Part D plans: the Humana Walmart Value Rx Plan, the Humana Premier Rx Plan, and the Humana Basic Rx Plan. 

The Walmart Value Rx plan has a monthly premium of $22.70-$25.00 and deductibles of $0 for tiers 1 and 2 drugs and $480 for drugs in tiers 3-5. 

The Premier RX plan offers the most comprehensive drug coverage. This plan has a monthly premium of between $68.40 – $86.20 and deductibles of $0 for tiers 1 and 2 drugs and $480 for drugs in tiers 3-5. 

The Basic Rx Plan has a monthly premium of between $23.90 – $50.60, an annual prescription deductible of $480 for all tiers.

Humana Medicare Supplement Plans

While Original Medicare and Medicare Advantage plans offer coverage for a number of medical needs, there are still many expenses that are not covered. Medicare supplement plans, known as Medigap plans, can provide additional coverage when needed. 

Plan A 

Medicare Supplement Plan A is ideal for those who want more coverage than Medicare Parts A and B. Members don’t pay for extra coverage they might not use, though there are some additional costs. 

Plan B

Humana’s Medigap Plan B offers benefits for hospitalization and medical expenses and adds additional hospitalization coverage.

Plan C

Plan C offers added coverage for skilled nursing facility care coinsurance, coverage for the Part A deductible for hospitalization, the Part B deductible for medical and hospital outpatient expenses, and medical emergency coverage when traveling out of the country.

Plan F

Medicare Plan F includes all the benefits of Plans A, B, and C. In addition, Plan F provides coverage for skilled nursing facility care, Medicare Part A and B deductibles, and international medical coverage.

Plan G

Plan G is ideal for those looking for coverage of additional out-of-pocket expenses for treatment that exceeds what Medicare will approve.

Plan K

Plan K pays a percentage of your costs instead of paying for all of them. It also offers the protection of an annual out-of-pocket limit: once this limit is reached, this plan pays 100% of Medicare-approved costs for the rest of the year. 

Plan L

Plan L is similar to Plan K but covers a higher percentage of your costs and offers a lower annual out-of-pocket amount and out-of-pocket limit. In addition, Plan L has a higher monthly premium than Plan K.

Plan N

Plan N covers 100% of Part B coinsurance costs. However, there is a $20 copay for office visits and a $50 copay for ER visits.

Enrolling in Humana & Open Enrollment Period

There are several different enrollment periods for Medicare plans, depending on your age and plan needs. 

Initial Enrollment Period

This is when you can sign up for a plan.

  • Begins 3 months before the month you turn 65
  • Ends 3 months after the month you turn 65

Medicare Open Enrollment Period

This is when you can sign up for a plan, switch a plan or leave a plan.

  • Begins October 15th
  • Ends December 7th

Special Enrollment Period

Special enrollment periods allow you to enroll outside the regular enrollment periods under specific circumstances. 

General Enrollment Period

This is when you can sign up for Medicare Part A and/or Part B if you didn’t sign up when first eligible or if you’re not qualified for a Special Enrollment Period.

  • Starts January 1st
  • Ends March 31st

Medicare Advantage Open Enrollment Period

This is when you can switch or leave a Medicare Advantage Plan

  • Starts January 1st
  • Ends March 31st

Speak to a
Licensed Agent
1 (855) 710-0541
TTY: 711
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