Medicare Advantage (MA) Plans are offered by numerous insurance companies as an alternative to traditional Medicare; Medicare Advantage plans are currently sold by companies such as Humana, Aetna, Cigna, and Blue Cross Blue Shield. These plans replace Medicare Parts A, B and often Part D (prescription drug coverage) as well as providing numerous other benefits not covered by traditional Medicare. Many times these plans provide additional benefits at lower cost compared to the traditional Medicare premium through and can include benefits such as dental coverage, wellness programs, and vision.
Humana is one of the largest providers of Medicare Advantage plans, and in 2020, Humana will continue to provide a wide range of options through numerous 2020 Medicare Advantage Plans. We can help you figure out which of Humana’s Medicare Advantage plans is the best plan for you – use our free online quote generator or call us today to talk through your options. Switching from traditional Medicare to Medicare Advantage can be confusing and we can also help you understand not only what the differences between Medicare Advantage (MA) and traditional Medicare are, but what a PPO vs HMO might mean for you. We can also help you see if Humana offers 2020 Medicare Advantage plans in your state, and what plans are offered where you live. We can help you sort through your many options and figure out whether you should stick with traditional Medicare with a Medicare Supplement plan or if a Medicare Advantage plan might be better for you. Some beneficiaries like the flexibility of traditional Medicare, while other beneficiaries prefer the lower costs and additional benefits offered by many Medicare Advantage plans. Regardless of what you decide it’s important to know that you can always switch between traditional Medicare and a Medicare Advantage plan or vice versa during open enrollment, as long as you have been continuously enrolled in Medicare.
Currently, Humana provides several Medicare Advantage plans offering a wide range of benefits at varying costs, including a traditional HMO plan (Humana Gold Plus HMO), a PPO plan (Humana Choice PPO), and a unique private fee for service plan (Humana Gold Choice PFFS). Humana’s Gold Plus Medicare Advantage plan is a traditional Health Maintenance Organization (HMO) style plan that includes all of the benefits of traditional Medicare, but may also include some extra benefits as well. As with all HMOs, you save on costs and enjoy lower premiums by staying in Humana’s large provider network. For beneficiaries who would like a little bit more flexibility, Humana Choice PPO is a preferred provider organization that allows you to visit any Medicare approved provider, but with additional cost savings if you stay within Humana’s network. This PPO choice retains some of the flexibility you get with traditional Medicare, but with some of the added benefits of an MA plan. Humana also offers a unique 2020 Medicare Advantage plan type – a Private Fee for Service (PFFS) plan that is much like traditional Medicare and allows you to visit any Medicare approved doctors or providers who accept Humana’s plan terms and conditions. It is likely that these plan types will continue to be offered by Humana in 2020, giving you a range of plans that balance costs vs provider flexibility. This wide range of plan types can also help beneficiaries who are interested in Medicare Advantage plans but are nervous about switching from traditional Medicare.
But, more than just selling insurance, Humana is in the wellness business. As a part of their commitment to your health and wellness, Humana offers free membership to Silver Sneakers gyms nationwide at no additional cost to all of their Medicare Advantage enrollees. With 14,000 locations, across the United States, joining a gym could not be easier. Humana’s core commitment to wellness also extends beyond beneficiaries, and is woven into their corporate DNA. Humana’s dedication to wellness extends beyond beneficiaries to their employees and the communities in which their employees and members live, work, and thrive. Humana has received awards and recognition from numerous leading organizations including the American Heart Association and the Human Rights Campaign for their commitment to community and wellness. Joining a Humana Medicare Advantage plan brings you into the larger community of Humana members and employees who have a deep dedication to wellness and health.
Humana’s corporate values extend to the plans they offer and the benefits they provide to their Medicare Advantage beneficiaries; in addition to all of the many plan choices you have, Humana Medicare Advantage Plans all come with access to a HumanaFirst Nurse Advice Line. This benefit includes 24/7 access to a registered nurse at no added cost and allows you to get medical advice from a trusted source from the comfort of your home. Finding answers to health questions can be overwhelming and you might not remember to ask your doctor all of the questions you have and shouldn’t have to blindly search for medical advice. The HumanaFirst Nurse Advice line is another example of Humana’s commitment to providing their Medicare Advantage beneficiaries with added benefits beyond traditional Medicare to keep you healthy and well. These extra benefits translate into healthier beneficiaries as well as lower costs for everyone. In 2020, Humana will likely continue to offer these additional benefits as a part of their Medicare Advantage plans. Many of these benefits are not offered through traditional Medicare, even with supplemental insurance and are unique to Humana’s Medicare Advantage plans. And although many companies, including Blue Cross Blue Shield, AARP, and Cigna offer Medicare Advantage plans, not all of these other plan sponsors include all of the additional benefits that Humana offers, or the numerous types of Medicare Advantage plans – from PPOs to HMOs – offered by Humana.
Another benefit of purchasing a plan through Humana is that as one of the largest Medicare Advantage providers in the U.S. Humana Medicare Advantage beneficiaries also have access to potentially discounted prescription drugs through Humana mail-order pharmacy. Bundling prescription drug coverage into a Medicare Advantage Plan (MAPD) such as Humana does for many of their Medicare Advantage Plans means that you can access all of your Medicare benefits through one, single coordinated plan and don’t have to worry about whether something is covered by Medicare Part A, Medicare Part B, or Medicare Part D. Medicare Advantage takes all of these different parts of Medicare and puts them under one roof, making things simpler and more streamlined for you. Using Humana’s mail order pharmacy benefit also means that your medications can be sent directly to your home, skipping a visit to the pharmacy. It is highly likely that Humana will continue this benefit as part of their 2020 Medicare Advantage Plans, continuing to provide beneficiaries with convenience and cost savings.
Although Humana has not finalized their plan offerings for their 2020 Medicare Advantage Plans, looking at the many extra benefits that Humana offers today as a part of their Medicare Advantage Plans will help you plan for the upcoming year so you can start to understand what benefits Humana’s Medicare Advantage Plans will look like in 2020. Humana has offered additional benefits to Medicare Advantage members such as Silver Sneakers membership, HumanaFirst Nurse Advice Access for many years, and will likely continue to offer these extras in 2020. It’s important to also remember that you can enroll in a Medicare Advantage plan with these extra benefits but no additional cost; many of these plans cost the same or less than your traditional Medicare premium. Plan sponsors such as Humana are able to provide extras by keeping their beneficiaries healthier through comprehensive wellness programs. We can help you start thinking about 2020 and going through the benefits and costs of a Medicare Advantage plan might be, and if Humana offers MA plans in your area. Taking care of your health isn’t just something that you should think about once a year, so it’s never too early to start thinking about your options for the future.
By thinking ahead to 2020, you can start planning for the upcoming year and have all of the information you need to make an informed choice and understand the differences between traditional Medicare and the types of MA plans, from PPOs to HMOs to PPFS plans. Humana offers a range of Medicare Advantage plans so you can choose the one that best fits your needs, but it can be confusing to sort through so many options on your own. We are here to help you figure out if a Humana Medicare Advantage Plan is offered in your area, and which one of these plans might be right for you. Use our free online quote generator or give us a call today.