- Humana Medicare plans provide healthcare coverage for millions of Americans.
- Plan offerings include Medicare Advantage, Medigap, and Part D coverage.
- Available plans and costs will vary based on where you live.
- You can contact Humana directly with questions or to sign up for a plan when you’re ready.
Humana was founded in Louisville, Kentucky, in 1961. Since then, it has provided Medicare coverage to Americans in all 50 states. The company offers a variety of plans based on the individual needs of its customers.
Read on to learn more about Humana’s Medicare coverage, eligibility criteria, and how to contact customer service.
To start, you can visit Humana’s plans page. Enter your ZIP code for a full list of Humana plans that are offered in your location.
From here, you’ll be able to review the plan options to find one that might be a good fit for you.
Tips for selecting plans that meet your needs
- Assess your current and potential healthcare needs. Are there doctors, facilities, or medications that you can’t compromise on for your care? This may impact your policy choice, particularly when deciding between original Medicare (parts A and B) and Medicare Advantage.
- Consider your income. If you have a fixed or limited income, paying monthly premiums may be difficult. However, if you may need care that only Medicare Advantage would cover, this might be a good option to save costs in the long run.
- Look for cost savings programs. You may qualify for certain programs to help with your costs, including Medicaid and Extra Help.
- Find the right plan. In addition to Humana’s plan finder, Medicare also offers a plan finder tool to compare available Medicare Advantage plans in your area. You can search by prescription drugs you need, as well as covered providers and services.
Humana offers four types of Medicare Advantage plans:
- Healthcare Maintenance Organization (HMO) plans
- Preferred Provider Organization (PPO) plans
- Private Fee-for-Service (PFFS) plans
- SpecialNeeds Plans (SNPs)
Most of these plans include free membership to many local gyms and health clubs. This benefit is called the SilverSneakers fitness program.
They also offer optional coverage, such as vision, dental, prescription drug coverage, and more.
Emergency care outside of the United States is also often covered.
Each plan is unique. Learn more about the policies you’re considering and make sure you’ll have the healthcare services you need.
Humana Medicare Advantage eligibility focuses on two criteria:
- Original Medicare enrollment. To enroll in a Humana plan, you’ll need to sign up for original Medicare. You can enroll 3 months before your 65th birthday and for up to 3 months after.
- Plan availability. To enroll in a Humana Medicare Advantage plan, you’ll need to find one in your area that has network providers in your county.
Humana’s Medicare supplement insurance plans, also known as Medigap, can help you pay costs that Medicare parts A and B won’t cover. These costs include things like coinsurance, deductibles, and copayments.
Humana offers eight different Medigap plans:
The benefits for each Medigap plan from every insurance company are the same, with only some small differences.
What can be very different, however, is the company that you go with. This can affect the quality of service and the price of the plan.
Make sure to compare these offerings against competing insurance companies to get the best price and coverage for you.
Medigap plans in Massachusetts, Minnesota, and Wisconsin
Medigap plans in Massachusetts, Minnesota, and Wisconsin are standardized in a different way from other states. They may have different names than the lettered names you see across the other states.
Because coverage can vary by plan and company, if you live in one of these states, it’s very important to carefully compare the Medigap plans offered by different companies before selecting one.
To purchase a Medigap plan, you must be enrolled in original Medicare, live in the state where the policy is offered, and be age 65 or older.
In some states, people younger than age 65 can qualify if they have a disability or end-stage renal disease (ESRD).
Humana offers three types of PDPs. These Part D plans are used to help manage the cost of prescription medications.
Humana Walmart Value Rx Plan
Under the Humana Walmart Value Rx Plan, Humana teams up with Walmart, Walmart Neighborhood Markets, and Sam’s Club pharmacies as its preferred cost-sharing partners.
This lets Humana offer additional prescription savings to people who purchase their medications at Walmart.
The Humana Walmart Value Rx Plan’s benefits include:
- $17.20 monthly plan premium nationwide
- $0 deductible on tier 1 and 2 medications
- $445 annual deductible on tiers 3 through 5 medications
- in-store copays as low as $1 on a 30-day supply of certain generic drugs at Walmart, Walmart Neighborhood Markets, and Sam’s Club
- copays as low as $3 on a 90-day supply of tier 1 preferred generics through Humana’s mail-delivery pharmacy
- more than 3,500 medications on the plan’s list of covered drugs
Before choosing the Humana Walmart Value Rx Plan, make sure you live near a Walmart location that features pharmacy services. While you are able to use other pharmacies under this plan, you won’t get additional discounts if you don’t use Humana’s preferred cost-sharing partners.
Humana Premier Rx Plan
Like the Walmart Value Rx Plan, the Humana Premier Rx plan also uses Walmart as its preferred cost-sharing partner. This means that living close to a Walmart location is key to saving the most on your prescriptions.
While this plan has a higher premium than the Walmart Value Rx Plan (from $58.30 to $72.50 per month, based on your state or region), the Humana Premier Rx Plan includes additional benefits:
- $0 deductible on tier 1 and 2 medications
- $0 copay on 90-day supplies of tier 1 and 2 medications from Humana’s mail-delivery pharmacy service
- preferred cost-sharing at Humana Pharmacy, Walmart, Walmart Neighborhood Markets, Sam’s Club, Publix, Kroger, Harris Teeter, HEB, and Costco pharmacies
- $445 annual deductible on tiers 3 through 5 medications nationwide and $305 in Puerto Rico
- more than 3700 medications on the plan’s list of covered drugs
Humana Basic Rx Plan
Unlike Humana’s other Part D plans, the Humana Basic Rx Plan lets you pick your pharmacy, as long as it’s in the plan’s network.
Humana Basic Rx Plan premiums range from $19.70 to $45.00 per month, depending on your state or region. The plan’s annual deductible is $445.
The Humana Basic Rx Plan’s benefits include:
- $1 copay on a 30-day supply of tier 1 medications
- $4 copay on a 30-day supply of tier 2 medications after deductible at all in-network standard retail pharmacies
- preferred cost-sharing through Humana’s mail-delivery pharmacy with a $0 copay on a 90-day supply of tier 1 and 2 medications (after deductible)
To learn more about Humana Medicare plans and how to enroll, you can contact customer service.
Humana’s customer service department can be reached at 800-457-4708 between 8 a.m. and 8 p.m., Monday through Friday.
You can also fill out a contact form to request a meeting with a Humana Medicare agent.
Humana has multiple Medicare plans for a variety of different people. Between Medicare Advantage plans, Medicare supplement insurance plans, and Medicare Part D plans, there are many different options to choose from.
Carefully review your options to get the best Humana plan for your needs. If you have questions, you can contact Humana’s customer service directly and have them walk you through your options.
This article was updated on October 14, 2020 to reflect 2021 Medicare information.
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