Compare Medicare Advantage for 2020

What is Humana?

Humana is a for-profit health insurance company based in Louisville, Kentucky. It is one of the well-established players in the industry. Its healthcare policies are available in 50 states, as well as Puerto Rico and District of Columbia.

This insurance provider is trusted by millions of members in the US. It offers affordable health care options with a wide network of healthcare providers. It also provides wellness programs that can further help you stay healthy.

Medicare Advantage Plans in 2020 from Humana

If you like to buy a medical insurance policy for 2020 from Humana, you can do so through its local agents. With its policy, you can opt to contribute to a healthcare savings account that lets you save money that can be applied to your medical deductible.

1.) Medicare Advantage Plans

They are broken down into several categories

Humana Gold Plus HMO

It is one of the most popular MA plans of Humana that covers all Original Medicare benefits but it comes with some extras.

This Humana health insurance in 2020 plan can lower out-of-pocket costs. The costs are more predictable so it is easy to understand how much you will get to spend on your healthcare per year.

In addition to the benefits of Original Medicare, the HMO plan lets you pick your primary care physician who is in the network. Its premium is more affordable.

If you wish to see a specialist, you will have to obtain a referral from your primary physician. You can visit your primary physician as often as needed as this plan covers unlimited doctor visits.

The prescription drug coverage is better than the standard Medicare Part D plan. Furthermore, you can use this plan anywhere in the world. It also offers coverage for regular preventive screenings. Plus, it includes hospitalization.

HumanaChoice PPO

It is a preferred provider organization plan that gives you the freedom to choose a Medicare-approved doctor. You can choose doctors who are out of the network.

However, you can significantly save money when you opt for physicians in the network. Then again, you can choose to visit any Medicare-approved doctor without asking for a referral from your primary care physician. It is beneficial, especially when you travel abroad frequently.

This program has some fitness programs and prescription drug options. It also includes vision and dental coverage. But these extra features come with additional premiums.

Between HMO and PPO, the former has lower monthly premiums than PPOs. Out-of-pocket medical expenses are also less. However, PPOs will give you the flexibility to opt for the providers without obtaining a referral.

If the lower monthly premium is more important to you than seeing a primary care physician, then HMO is your better choice. On the other hand, PPO is your better bet if you have a medical team that you wish to keep but the providers are not in your plan network.

Humana Gold Choice PFFS

It is a private fee-for-service (PFFS) plan. It offers coverage to seek medical advice from any Medicare-approved physician who accepts Humana Medicare Advantage. It also includes full coverage for any preventive screenings, as well as hospitalization and emergency coverage when traveling abroad.

Humana Medicare Special Needs Plans

These plans require Medicare parts A and B. You must also satisfy the requirements of the SNP. The coverage may include vision, dental and hearing care. It may also include over-the-counter medication allowance.

2.) Humana Medicare Prescription Drug Plans (PDP)

It is a coverage you need if you take several synthetic medicines. On this plan, you can opt for Walmart Plan that allows you to save on generics. Depending on your location, your monthly will be as low as $22.20.

Another drug plan is the Preferred Plan that has co-pays from $0 to $1. For the enhanced drug plan, you can have a comprehensive coverage sans deductible.

3.) Medicare Supplement

This health insurance can help lower the overall healthcare costs because they cover copayments or deductibles that are not part of Medicare Parts A and B. The Medicare Supplements plans’ benefits are the same from one insurer to another. The main differences are the quality of service, cost, and the company.

If you choose to buy a Medicare Supplement plan from Humana, you must first be enrolled in Medicare Parts A and B. You must also be 65 years old or above. However, if you have a disability or suffering from an end-stage renal disease, you can apply for a Medicare and Medicare Supplement plans.

Depending on the plan you buy, supplement plan may cover coinsurance, the first three pints of blood, hospice care coinsurance, deductible, excess charges, and foreign travel. However, these plans do not cover long-term care, hearing aids, dental and vision care, as well as private-duty nursing and prescription drugs.