Humana Medicare Plans 2020
Medicare subscribers who need some extra coverage turn to Medicare Advantage plans and Medicare Supplements to fill in their coverage gaps and to keep their healthcare costs low. The Humana Medicare plans for 2020 offer great value to seniors and give them a way to make healthcare more affordable. Many of them provide seniors with coverage for common or even essential medical expenses at a price much lower than if you were to pay for those same services out of pocket.
Humana’s Medicare Advantage Plans
Humana sells a lineup of Medicare Advantage plans, and it does so in its own, unique way. These are all plans that are designed to abide by Medicare’s guidelines, so they all have the same standardized coverage for Medicare parts A and B, emergency services and urgently needed healthcare. However, they can have additional coverage as well that isn’t part of the requirements. This can include cover for some routine checkups, for hearing and vision apparatus and for the prescription drug plan Medicare Part D.
Advantage plans through Humana benefit from the company’s extensive network. They will give you full coverage so long as you go to a medical facility that is part of the Humana network. This can be any clinic, doctor’s office, hospital, rehab center, pharmacy or other medical facility that has agreed to honor the company’s plans.
The network limitations of Advantage plans mean that you won’t get full coverage outside of the network, but there is a way to get partial coverage. If you use a PPO Advantage plan that Humana sells, then you get partial of network coverage and full on-network coverage. If you sign up for an HMO Advantage plan, then you get coverage only within the network, but it costs you less than the PPO plan.
Humana sells a few different kinds of Advantage plans with various network options, and they also sell Special Needs plans and other types of specialty plans, so we recommend you check out their entire selection to see if they have anything that is suitable for you.
Humana’s Supplement Plans
Humana also sells Medicare Supplements, which are smaller healthcare insurance plans that work to fill in coverage gaps left by Original Medicare. Where Medicare Advantage plans offer powerful, encompassing coverage to take care of the majority of medical expenses, Supplements offer more targeted coverage that helps you pay for deductibles, copayments, coinsurance, excess charges, blood usage and foreign travel costs for emergency medical care.
Supplements are available in eight different plans that are active right now, with a few additional plans only available to those who already have them and choose to renew them. Humana sells a few of the top plans, and these tend to be the ones that offer seniors the most value for their money.
Supplements will not overlap with Original Medicare at all, and you will need an Original Medicare plan in order for the Supplement plan to be valid. These Humana Medicare plans for 2020 are available to anyone at the best prices during the Open Enrollment window. This occurs only once- from three months before you turn 65 until three months after that birthday. This is also the time where you are guaranteed to get the plan that you signed up for.
Supplement Plans are great options for anyone who has trouble paying their Medicare deductibles or copays. Those can add up, especially when you have a lot of them and you frequent the hospital. Some of the higher coverage Supplement plans, like Plan G or Plan N, can save you the most money. That’s because they cover expenses that would often cost you thousands of dollars to pay, and they do it for a little over $100 a month. The rates will change in time, so be sure to make use of our site to compare rates and see what Humana is charging and how they compare to the other insurers.
Why Humana Might Be the Right Choice
There are many different insurance that could sell you these same plans, but not all of them offer what Humana does. First of all, Humana has some very affordable rates for its Medicare plans. They may not be the lowest prices out there, and you can use our site to see what the lowest rates are, but they do offer some great membership perks for signing up with them.
Humana’s perks may vary from one part of the country to another, and they can include benefits like gym memberships, telemedicine (which is simply being able to talk to a doctor or nursing professional over the phone at any hours of the day), dieting plans, teeth whitening discounts, weight loss plans, and many more. Much of what they offer are not considered essential medical services, so they would not be things that are normally covered by a medical care plan. However, they could be services that benefit you and that could save you money to have covered or heavily discounted by Medicare.
Humana also operates a fairly large network. They are one of the biggest insurers in the country, so they have partnerships with a lot of hospitals, rehab centers, clinics, doctor’s offices and other kinds of medical facilities. That means that those facilities will honor their Advantage plans, which do require a network to provide you with full coverage.
While Humana won’t be the best choice for every senior, they are a great option for many of them. This is why we recommend that seniors at least consider them, look at their plans and compare their rates to those of other insurers.
Our site offers you a great way to do that. You can check the prices for Humana Medicare plans for 2020 here, and you will be able to get a list of rates to see how they compare to other insurance companies. This will help you to make a more informed decision and to feel better about your choice when you do pick a health insurance plan.