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Humana Medicare Insurance

Review Counsel Rating

4.5 | ★ ★ ★ ★

About Humana Medicare Insurance

Humana Medicare Insurance Synopsis

Review Summary: Humana offers Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug plans in all 50 states, the District of Columbia, and Puerto Rico.  

Recommended for: Humana is a good pick for those looking for a Medicare Advantage plan. While Humana offers Medicare Advantage and Supplement plans, it has higher ratings for its Medicare Advantage plans.  

Medicare Basics 

Medicare is medical insurance sponsored by the federal government that is available to those who are 65 or older. Medicare provides Part A, which covers hospital expenses, and Part B, which covers doctor visits. However, it does not cover all expenses. (Part A and Part B are also known as Original Medicare.) 

That’s where Medicare Supplement insurance and Medicare Advantage plans come into play. Medicare supplement insurance, also called Medigap, and Medicare Advantage, also called Part C, are designed to supplement Medicare Parts A and B. Medicare patients do not need both Medicare supplement insurance and Medicare Advantage.  

They are both purchased through insurance companies. Medicare Advantage plans typically have low premiums, require copays, and come with network restrictions. Supplement insurance policies typically come with higher premiums, have lower costs when receiving care, and do not come with network restrictions. 


Pros

  • Offers Medicare Advantage and Medicare Supplement plans

  • Available in all 50 states, District of Columbia, and Puerto Rico

  • Ranks number 2 in J.D. Power’s 2022 Medicare Advantage member satisfaction index

Cons

  • Medicare Advantage plans come with high drug deductibles


Humana Medicare Insurance Reviews

Customer Rating PlatformRating
Better Business Bureau (BBB)A+ Rating; 1.4/5 stars with 187 reviews
BestCompany2.8/5 stars with 91 reviews
Consumer Affairs 4.1/5 stars with 513 reviews
RetirementLiving 4.5/5 stars with 15 reviews
WalletHub1.3/5 stars with 328 reviews

Humana Medicare Coverage Overview 

Humana offers Medicare Advantage plans, also known as Part C, and Medicare Supplement insurance plans.  

Medicare Advantage plans replace Original Medicare because they include Part A coverage, Part B coverage, and most plans also include Part D coverage, which is the prescription drug plans.  

Some of the Medicare Advantage plans that Humana offers also include coverage for dental, hearing, and vision.  

The Medicare Supplement plans are added in addition to Medicare Part A and Part B. 

Humana Medicare Advantage Plan Options 

Humana offers a total of 12 Medicare Advantage plans in the following categories: 

  • HMO Plans (health maintenance organizations). HMO Plans typically come with low premiums, but you are restricted to doctors and hospitals with the plan’s network.  
  • PPO Plans (preferred provider organization). PPO typically have higher premiums and/or copays compared to HMO plans, but they come with more options for doctors, clinics, and hospitals.  
  • PFFS Plans (private fee for service). PFFS are plans that are purchased through private insurance companies. Premiums depend on what services are included in your plan.  
  • SNP Plans (special needs plans). SNP Plans are for those with specific conditions, diseases, or characteristics. These include conditions such as diabetes, End-Stage Renal Disease (ESRD), dementia, chronic heart failure, and HIV/AIDS. 

Humana Medicare Advantage Plan Rates 

Medicare Advantage plan rates and fees will vary depending on where you live and other factors, but here’s a general overview of what you can expect depending on if you decide to go with an HMO, PPO, PFFS or SNP. 

Please note that all premiums are in addition to the Medicare Part B Premium which currently starts at $148.50 per month. 

Plan NameCoverageRates & Fees
Humana Gold Plus (HMO) Medical 
Drug  
Dental 
Vision 
Hearing 
Insulin Savings Program 
OTC Allowance 
SilverSneakers 
20K Participating Providers 
$0.00 – $34.00 Monthly Premium (In addition to Part B Premium) 
$0 primary copay 
$25 to $45 specialist copay 
$3,900 to $5,500 Max out-of-Pocket 
HumanaChoice (PPO) Medical 
Vision 
Hearing 
Insulin Savings Program 
OTC Allowance 
SilverSneakers 
Dental (on some plans) 
Drug (on some plans 
28K to 83K Participating providers (depending on plan)
$0.00 – $96.00 Monthly Premium (In addition to Part B Premium) 
$0 to $20 Primary copay 
$20 to $50 Specialist copay 
$3,900 to $7,350 Max out-of-pocket (in-network) 
Humana Gold Choice (PFFS) Medical 
Drug 
Dental 
Vision 
Hearing 
OTC Allowance 
SilverSneakers 
43K participating providers 
$61.00 Monthly Premium (in addition to Part B Premium) 
$15 Primary copay 
$50 Specialist copay 
$6,700 Max out-of-pocket (in and out-of-network) 
HumanaChoice SNP-DE (PPO D-SNP) Medical 
Drug 
Dental 
Vision 
Hearing 
SilverSneakers 
$0 Rx Copay Benefit 
Healthy Options Allowance 
38K Participating providers 
$0.00 Monthly Premium (in addition to Part B Premium) 
$0 Primary copay 
$0 Specialist copay 
No max out-of-pocket responsibility

Humana Prescription Drug Plan  

For those looking for a standalone prescription drug coverage, Humana offers the following drug plans: 

  • Humana Walmart Value Rx Plan (PDP) 
  • Humana Basic Rx Plan (PDP) 
  • Humana Premier Rx Plan (PDP) 

How to Enroll in Medicare Advantage with Humana 

Medicare patients have 3 opportunities to enroll in Medicare Advantage with Humana depending on your current situation: 

  • For first-time Medicare patients: The first time Medicare patients are able to sign up for Medicare is during what is called the Medicare Initial Enrollment Period (IEP), which starts 3 months before you turn 65 and ends 3 months after, including your birthday month. This means that you have a total of 7 months to sign up for Medicare. If you fail to enroll during this period, you may face a penalty. You may sign up for Medicare Advantage with Humana during this period.  
  • For current Medicare Advantage patients: If you currently have Medicare Advantage through another provider and you want to switch your plan to Humana, you have two opportunities to make the switch: (1) During the Medicare Advantage Open Enrollment Period (OEP), which starts on January 1 and ends on March 31; (2) During Medicare’s Annual Enrollment Period (AEP) which starts on October 15 and ends on December 7 each year.  
  • For Original Medicare patients: If you have Original Medicare, with or without Medicare Supplement insurance, you may switch to Medicare Advantage with Humana during Medicare’s Annual Enrollment Period (AEP), which starts on October 15 each year and ends on December 7.  

Go here to start shopping Humana Medicare Advantage plans.  

Humana Medicare Supplement Insurance Plans  

Humana offers the following Medicare Supplement insurance plans, but since Jan. 1, 2020, Plan C, Plan F, and high-deductible Plan F are only available to those who first qualified for Medicare before 2020.  

While there is some plan variation in some states, here is a breakdown of the plans and the coverage they include: 

  • Plan A: Includes Medicare Part A coinsurance and coverage for hospital care, Medicare Part B coinsurance or copayment, the first three pints of blood, and Hospice care coinsurance or copayment 
  • Plan B: Includes Medicare Part A coinsurance and coverage for hospital care, Medicare Part B coinsurance or copayment, the first three pints of blood, Hospice care coinsurance or copayment, and the Part A deductible 
  • Plan C: Includes Medicare Part A coinsurance and coverage for hospital care, Medicare Part B coinsurance or copayment, the first three pints of blood, Hospice care coinsurance or copayment, the Part A deductible, the Part B deductible, skilled nursing care coinsurance, and foreign travel emergency coverage 
  • Plan F (and high-deductible Plan F): Includes Medicare Part A coinsurance and coverage for hospital care, Medicare Part B coinsurance or copayment, the first three pints of blood, Hospice care coinsurance or copayment, the Part A deductible, the Part B deductible, Part B excess charges, skilled nursing care coinsurance, and foreign travel emergency coverage 
  • Plan G (and high deductible Plan G): Includes Medicare Part A coinsurance and coverage for hospital care, Medicare Part B coinsurance or copayment, the first three pints of blood, hospice care coinsurance or copayment, the Part A deductible, Part B excess charges, skilled nursing care coinsurance, and foreign travel emergency coverage 
  • Plan K: Includes Medicare Part A coinsurance and coverage for hospital care, 50% of Medicare Part B coinsurance or copayment, 50% of the first three pints of blood, 50% hospice care coinsurance or copayment, 50% of the Part A deductible, and 50% of skilled nursing care coinsurance 
  • Plan L: Includes Medicare Part A coinsurance and coverage for hospital care, 75% of Medicare Part B coinsurance or copayment, 75% of the first three pints of blood, 75% hospice care coinsurance or copayment, 75% of the Part A deductible, and 75% of skilled nursing care coinsurance 
  • Plan N: Includes $20 copay for office visits and $50 copay for ER for Medicare Part A care, Medicare Part B coinsurance or copayment, the first three pints of blood, hospice care coinsurance or copayment, the Part A deductible, skilled nursing care coinsurance, and foreign travel emergency coverage 

Humana Medigap Plan Rates and Fees 

Humana offers a 6% discount when customers purchase their Medigap plans online. However, there is no discount for those located in California, Connecticut, and Ohio. 

Rates vary depending on your location and other factors, but to give you an idea of what the premiums may be, these are the rates for a female in New Jersey who is 65 years old.  

PlanCost Per Month
Plan A$164.55 
Plan B$178.92 
Plan D$200.20 
Plan G$202.35 
High Deductible Plan G$57.20 
Plan K$120.60 
Plan L$153.93 
Plan N$130.28 

How to Enroll in Medicare Supplement Plans with Humana 

Medicare Supplement plans are purchased during the Medicare Supplement Open Enrollment period, which begins on the first day of the first month that you are going to turn 65 and you are enrolled in Medicare Part B. You have six months from the first of the month to enroll in a Medicare Supplement plan.  

If you miss the Medigap Open enrollment window, you can still apply, but you risk denial or paying a penalty fee. 

Go here to learn more about how to enroll.  

About Humana  

Humana first opened in 1961 as a nursing home company. It later owned and managed hospitals. It began offering health insurance plans in 1983. It now focuses exclusively on group health insurance and Medicare plans.  

Additional Benefits 

Most of the Medicare Advantage plans that Humana offers include dental and vision benefits for routine care. However, coverage depends on the plan you choose.  

For those with Medicare Supplement plans, Humana also offers these additional services:  

  • Fitness club service 
  • Hearing discount 
  • Prescription drug discount 
  • Vision discount 
  • 24-hour nurse advice line 

Where Plans are Offered 

Humana offers its Medicare plans in all 50 states, Washington, D.C. and Puerto Rico. 

Last updated 12/1/22.

Address: 500 W. Main St. Louisville, KY 40202

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