Humana Medicare

4.5 based on 116 Reviews*

For more information on Humana Medicare, please call the number below to speak with a healthcare specialist:

1-800-810-1437TTY 711

Updated 8/3/2017

Humana is one of the health insurance industry’s leaders in Medicare Advantage plans (also known as Medicare Part C, or MA). In fact, the company ranks as the second-largest provider (and the fourth-largest carrier overall) of Medicare Advantage (MA), which are private insurance policies that offer the same benefits as original Medicare along with additional features, notably prescription drug coverage. In addition, the company offers Medicare Part D (prescription drug plans or PDPs), both as part of its MA plans and individually.

Among Humana’s Medicare plans are multiple Humana Medicare Advantage plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and specific membership policies. Medicare Advantage plans are primarily paid for with federal funds but administered by private insurers. They combine original Medicare, which comprises Medicare Part A (hospital insurance) and Part B (medical insurance), with Medicare Part D (prescription drug plans or PDPs).

04/17/2017 Update: Use the form below to obtain real time pricing for 2017 Humana Medicare Supplement and Medicare Advantage Plans. Includes information regarding prescription drug coverage and co-pays. Please note that you will not be contacted by multiple parties. HealthNetwork respects your privacy and works very hard to ensure a quality consumer experience.

If you still have questions, always feel free to contact us at 1-800-810-1437TTY 711

Humana Medicare Advantage Plans Click Here To Get 2017 Pricing

The carrier heavily promotes its Humana Medicare Advantage business, which has 340,000 members. It is its largest and most profitable line of business. In January 2017, a federal judge blocked a merger between Aetna and Humana, ruling that the merger would reduce competition for consumers. In February 2017, the two companies announced that they had called off the merger due to the federal ruling.

If you have any questions at all, don't hesitate to call and speak with one of our healthcare professionals. Available 24/7 at 1-800-810-1437TTY 711

Humana Medicare Plans

Humana offers various Medicare Advantage plans and PDPs through its website. Here, consumers can compare different policies and benefits and explore their options with the simple plan finder. As Medicare Advantage and related supplemental plans are offered by region, just enter your ZIP code and multiple available plan options will be provided based on where you live.

Humana Medicare Advantage plans and standalone PDPs are separate, allowing you to explore them individually. However, not all MA plans feature Part D coverage; in these cases, consumers must purchase drug coverage separately. Plan pricing also varies depending on different factors, including enrollees’ income, retirement and social security. For MA plans, the carrier offers a wide array of Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and membership options, including:

HMO

Humana Gold Plus HMO

Choose an in-network primary care doctor for affordable, predictable costs. You will need a referral from your primary doctor to see a specialist, and copays are as low as $5. Your annual out-of-pocket costs could be between $2,200 and $6,700 depending on the plan you choose, but monthly premiums may be as low as $0. There is no annual deductible.

Benefits may include:
  • Inpatient hospital care
  • Skilled nursing facilities
  • Home healthcare
  • Chiropractic services
  • Ambulance services
  • Emergency care
  • Outpatient rehabilitation services
  • Diabetes programs and supplies
  • 24-hour nurse advice line
  • Alternative medicine
  • Discounts for vision, dental and hearing
  • Prescription drug coverage
  • Durable medical equipment (DME) — meant for home use, long-lasting and medically prescribed and necessary

PPO

HumanaChoice PPO

You can balance your choices with your budget and use an in- or out-of-network provider. You do not need a referral to see a specialist, and copays can be as low as $0. Out-of-pocket costs may be between $3,400 and $6,700 per year depending on the plan. Monthly premiums can be as low as $0, and there is an annual deduction.

Benefits may include:
  • Inpatient hospital care
  • Skilled nursing facility
  • Home healthcare
  • Chiropractic services
  • Outpatient mental healthcare, rehabilitation services
  • Ambulance services
  • Emergency care
  • Durable medical equipment
  • Diabetes programs and supplies
  • 24-hour nurse advice line
  • Alternative medicine
  • Discounts for dental, vision and hearing services
  • Fitness program

PFFS

Humana Gold Choice PFFS

With the pay-fee-for-service plan, you can use almost any doctor that accepts Humana’s terms. You do not need a referral for a specialist, and copays are as low as $10. Annual out-of-pocket costs can be between $5,000 and $6,700. Monthly premiums may be as low as $0, and there is an annual deductible.

Benefits may include:
  • Inpatient hospital care
  • Skilled nursing facility
  • Home healthcare
  • Chiropractic services
  • Outpatient mental healthcare, rehabilitation services
  • Ambulance services
  • Emergency care
  • Durable medical equipment
  • Diabetes programs and supplies
  • 24-hour nurse advice line
  • Alternative medicine
  • Discounts for dental, vision and hearing services
  • Fitness program
Many Humana Medicare Advantage plans come with added benefits and resources that include:
  • Nurse Advice Line
  • Caregiver Support
  • Mail-order Pharmacy
  • Local Community Centers
  • Silver Sneakers Fitness Program

PDP

Humana Prescription Drug Plans

Humana offers several options for standalone prescription drug coverage to help meet your medication needs.

These include:
  1. Humana Walmart Rx Plan: The Humana Walmart Rx program charges monthly premiums of between $15 and $17, and copays as low as $1 for generic drugs. Preferred brands have coinsurance between 20 and 25 percent. Non-preferred drugs have a coinsurance between 35 and 50 percent. The annual deductible for Tiers 1 and 2 is $0 while Tiers 3 through 5 have an annual deductible of $400.
  2. Humana Preferred Rx Plan: The Humana Preferred Rx plan offers low copays at preferred cost-sharing pharmacies. Copays for generic drugs are as low as $0 while preferred drugs have copays between 15 and 30 percent. Specialty drugs have copays of between 15 and 25 percent. The annual deductible for all tiers of drugs is $400 annually.
  3. Humana Enhanced: Humana Enhanced offers comprehensive coverage with no deductible. Generic drugs have a copay as low as $3. Preferred drugs have copays between $7 and $116 while specialty drugs have a copay of 33 percent.

The company’s Medicare-related product line includes supplemental insurance plans (Medigap), which require members to pay deductibles and coinsurance costs, as well as Medicaid, the federal health insurance for low-income individuals and families. Humana’s large network of providers and hospitals, along with an ample budget for additional services and benefits, ensures the satisfaction of its members and stockholders alike. The company’s focus on its Medicare plans, designed for different budgets, plays a big role in its 4-star rating.

Note: Humana and Aetna had sought to merge in 2015, but the effort has been abandoned as of February 2017. Had these two major entities combined forces, the resulting company would have become the nation’s leading Medicare Advantage insurer, providing coverage to 26 percent of all enrollees in the U.S. Due to the scope of the impact that this merger would have had on the economy and the healthcare industry, the merger faced an uphill battle for approval, which ultimately led to the federal government thwarting its success.

Humana’s Medicare plans are well established in America. In fact, these plans have some of the top-quality insurance ratings of all health providers in the United States. Humana Health Insurance Company bases its operations in Louisville, Kentucky, and it’s one of the largest healthcare insurers in the nation.

The company’s status gives its plans added benefits, such as a huge network of providers and hospitals, as well as a bigger budget for extra services. Humana insures an estimated 12 million people annually. You can find Medicare Advantage plans through Humana in all 50 states and Puerto Rico. In addition to Medicare plans, Humana also sells individual insurance and group insurance plans.

This review goes through several aspects of Humana’s Medicare plans, including benefits, costs and quality ratings. Customer satisfaction, extra options, number of plans and other factors will also be included.

Overview of Humana Medicare

For many years, Humana has led the way in life and health insurance. They were ranked as the leading mutual life and health insurance company in 2012. Statistics also show that more people use Humana for group insurance. An estimated 4.7 million purchased group policies through Humana in 2009.

The company has also received the following awards and recognition:
  • Best for Vets (Military Times)
  • Top Corporation for LGBT Economic Empowerment (Affinity Magazine)
  • Top 25 Noteworthy Company (Diversity Inc.)
  • 2012 Gold Quill Awards (International Association of Business Communications)

Humana is a leading healthcare company because of its network and wide range of policies. The insurance company has Medicare Advantage and Medicare supplemental plans in all 50 states. These plans include HMO, PPO and membership plans.

To purchase an insurance policy through Humana, you can speak to a local representative for Medicare enrollment in your service area. The company’s customer service focuses on picking plans specifically for the individual, but they typically offer three choices for Medicare plans.

For Medicare, Humana offers a few different options with high-quality ratings from the government.

Getting Medicare with Humana

Humana hosts a user-friendly website with a plan finder right on the Medicare products and services page. Since Medicare Advantage and other Medicare supplemental plans are offered by region, Humana makes it simple to find the available plans just for your area. You type in your ZIP code, and different options populate based on where you live. The interface is simple and separates Medicare Advantage and stand-alone prescription drug plans so you can compare each.

Humana Medicare Advantage plans may or may not include prescription coverage. The price may also fluctuate depending on your income, retirement and social security.

Humana offers PPO and HMO Medicare Advantage plans, including:
  • HumanaChoice PPO
  • HumanaChoice PPO with drug coverage
  • Humana Gold Plus HMO
  • HumanaChoice PPO with $0 deductible for prescription drugs
  • Humana Gold Choice PFFS

Humana offers a Private-Fee-for-Service (PFFS) plan, which gives people a wider choice of doctors. Overall, the offerings for Humana plans are among the most diverse for health providers offering Medicare Advantage plans.

What does Medicare Advantage Cost in Your Area?

Benefits and Costs of Humana Medicare

Humana Medicare plans are a part of Medicare Advantage or Medicare Part C. This portion of Medicare covers all of the benefits that you normally receive with original Medicare (Parts A and B). Humana also includes a few extra benefits depending on plan in addition to standard Medicare coverage.

However, some plans will not include prescription drug coverage, which must be purchased separately. While costs and benefits vary depending on your region, these are the average costs and copays that Humana customers pay for Medicare Advantage.

Speak with an Agent now. 1-800-810-1437TTY 711

Humana Medicare Rating

Medicare has given many of Humana’s Medicare plans a rating above 4 stars, and the company has a higher customer satisfaction rate. Much of the praise is for its customer satisfaction rates and offerings. You can find all of the high-quality, star-rated plans on Medicare.gov.

Overall, Humana offers a variety of different plans for any kind of budget with extra features and benefits that you might not find elsewhere. If you’re looking for a cheap option or want to make sure you’re covered no matter what through Medicare Advantage, Humana has a large enough network that many of the doctors and facilities you want are included.

Whether you’re looking for an HMO, PPO or standalone drug coverage, the supplemental plans offered through Humana offer comprehensive coverage. They also include extra discounts if you need dental, vision or hearing. In addition, you can use the simple interface on Humana’s website to see various benefits in your area as well as compare prices and plans. The plan finder on Humana is one of the most advanced for an insurance company online and makes it easier to break down each plan.

One shortcoming is Humana’s explanation of costs for higher-premium plans, which can be difficult to decipher. Make sure you talk to an agent about your options if you’re not sure about the costs involved.

If you’re considering enrolling in original Medicare, then start by visiting your local Social Security office for more information. But if you’re interested in purchasing a Medicare Advantage, Part D or supplemental plan, we invite you to shop with us, at HealthNetwork.com/Medicare


*Star Rating
The star rating listed above is reflective of results of consumer polling from individuals who have used in the past and or currently use that carriers medicare plan. These do not reflect star ratings that have been assigned to each individual carriers plan by CMS. For detailed information about each plans CMS star rating please visit Medicare.gov.

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