Humana Medicare Advantage plans

Humana has evolved to become a trusted Medicare insurance provider for over two decades. The company has been a part of the health industry for more than fifty years and stands today as one among the Fortune 100 companies. According to the data published by Centers for Medicare and Medicaid Services, Humana has nearly 4 million Medicare members. That accounts for nearly half of Humana’s 9 million members nation wide, which goes to show the immense popularity of their Medicare product within the community.

Agent benefits that can be derived with Humana Medicare Advantage:
  • Offers the agent high earning opportunities.
  • Contracts are enables directly with the company.
  • Potential to generate excellent commissions
  • Agents with detailed product knowledge can do exceedingly well.
Client benefits that come with Humana Medicare Advantage:
  • The copayment costs that come with the usage of the plan are predictable in nature and hence a safe bet for the enrollee.
  • Offers the insured several additional benefits that are not featured in the original Medicare plan.
  • The nature of the plan negates the need to go in for any other supplemental plans for the insured.
  • Emergency care is offered to the patient worldwide.
Types of Humana Medicare Plans

Any person who is subscribed to Medicare Part A & B can purchase Humana Medicare Advantage. In order to be eligible it is also necessary to fall reside in a locality that fall within the service area of Humana.

Medicare Advantage Plans: are also often known as Part C plans and come with more benefits that what is originally offered in Part A & B. These plans have monthly premiums that come with affordable rates and provide coverage for a wide range of medical issues.

Medicare prescription drugs plan: Helps the enrollee to save considerable sums of money while buying prescription drugs. This can specially come in very useful for patients have to buy these drugs on a constant basis.

Medicare supplement insurance plans: these can be made to work seamlessly with Part A & B. This type of plan would help the enrollee towards covering costs in coinsurance and deductibles.

Humana Medicare Advantage

Humana Medicare offers the best features of the both the traditional Medicare plan and prescription drugs plan. There are also additional benefits that come with purchasing this insurance policy.

Humana Gold Choice (PFFS)
  • The prescription drug coverage that is offered in this plan is either better or at least better than what is offered in the original plan from Medicare.
  • The monthly premiums that come with the plan are affordable and less burdensome on the enrollee.
  • Annual screenings do not amount to any extra charge for the subscribed party.
Humana Gold Plus (HMO)
  • In this type of plan the enrollee get to choose his or her choice of primary physician from the allotted network.
  • The plan offers routine doctoral visits and physicals at affordable copayments.
  • The emergency coverage that falls under this plan is comprehensive and has a host of benefits attached to it.
Humana Choice (PPO)
  • In this type of plan the subscriber has liberty to choose the doctor or medical organization of their choice.
  • The rate of premiums in this plan is affordable
  • The enrollee is entitled to undertake free visits to any health care provider nation wide.
Medicare Part D plans for prescription drugs

The continuously rising prices of prescription drugs have made it difficult for people to afford them on a regular basis. This can be dangerous for patients recovering from a serious condition who need constant medical attention in the form of drugs and treatment. Medicare Part D plans for prescription drugs has made it possible for enrollees to avail substantial discounts while buying these drugs. This can be specially beneficial for people are prescribed drugs on a long term basis and the plan will help them eventually save thousands of dollars through subsidized discounts.

Humana on its part offers a comprehensive Medicare Part D plan to help mitigate prescription drug costs. It offers 3 stand alone plans to help create a balance between your budget and health requirements. ‘Stand- Alone’ means its separate from that of your Medicare coverage. Here is a list of different plans that have been carefully formulated to suit diverse requirements. Study the pros and cons of all of them before picking one that suits your interests the best.

Humana Walmart Preferred Rx Plan (PDP)

This prescription drug plan comes with a monthly premium of $14.80. Copayments at pharmacy counters can be as low as $2 with this plan. It is ideal for healthy people who have minimal health issues or for those in search of a budget prescription plan. The enrollee would also receive a SmartSummary RxSM statement at the end of each month to help keep a tab on the expenses incurred.

Humana Standard (PDP)

This can be termed as a basic level plan. Its coverage is equal to that of the federal governments minimum requirements of the coverage.

Humana Enhanced (PDP)

This type of plan comes with fixed levels of copayment. It also features first dollar coverage on specified or preferred generic drugs for all the plans. Does not come with deductible in most regions. Check with your agent to make a comparative analysis of this particular plan.

Humana Complete (PDP)

This type of plan offers the insured extensive coverage. As part of the package, it allocates extra coverage on preferred generic drugs as well as branded ones through the coverage gap feature.

Reasons why you should go for Humana Advantage
  • The product offers an extra set of medical benefits that are not a part of the original Medicare insurance.
  • It creates a healthy balance between your health needs and costs in the process making your expenses more predictable.
  • Offers the enrollee with an extensive network of doctors and medical care providers.
  • Has been one of the industry leaders for quite a while now.
  • The extra benefits that feature in the plan are better than what is offered by many other private insurers.
  • Subsidized discounts on prescription drugs.
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