Humana Medicare Advantage Reviews 2021: Best Plans | How It Works | Legit Or Scam

Humana Medicare Advantage plans (1)
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Humana Medicare Advantage is reviewed to be the best insurance provider available. Even the high number of registration depicts this.

According to BusinessWire, 4.1 million, or approximately 92%, of Humana Medicare Advantage members are currently enrolled across 15 contracts with 4-stars and above for 2021.

So, looking at this statistic, Humana Medicare Advantage is a great insurance provider that is committed to helping our millions of medical and specialty members achieve their best health.

Also, it makes health care easy and effective with its numerous plans, clinical capabilities, and resources.

To choose Humana Medicare Advantage, you need to know how it works, the best plans option, if Humana Medicare Advantage review is legit or a scam, and other things. This will also give you a sneak peek at why it is the better health insurance plan for you.

So, we advise you to carefully read these reviews to get all the information you need about Humana Medicare Advantage

About Humana Medicare Advantage

Humana is a for-profit American health insurance company headquartered in Louisville, Kentucky. According to Wikipedia, as of 2020 Humana had over 20 million members in the U.S., reported a 2019 revenue of US$56.9 billion, and has many employees which are around 46,000.

The company has been the third largest health insurance in the nation.

Humana extends a wide range of Medicare Advantage plans throughout most of the country. These plans are required by law to give at least much coverage as original Medicare.

Most of the plans offer more types of coverage, such as vision, dental, and prescription drugs.

In addition, the company’s efforts are leading to a better quality of life for people with Medicare, families, individuals, military service personnel, and communities at large.

Humana Medicare Advantage Reviews: How Does It Work

Humana medicare advantage plans also known as part C are all in one package for original medical services. These plans cover both part A and part B and mostly part D (prescription drugs) as well. Some plans also offer benefits that aren’t available with Original Medicare, such as vision, hearing, and dental care.

Read this: 10 Medical Sharing Plans In 2021 | New Insurance Alternatives

What Are The Best Humana Medicare Advantage Plan Options

Humana medicare advantage offers an extensive range of plans with different provider types. So any specific plans that are available to you are dependant on your location and individual needs. 

Therefore, here are the list of the humana medicare advantage plan options

#1. Humana HMO Plans:

Health Maintenance Organization (HMO) plans are attractive to many people because of their affordability. In many ZIP codes, there are plans available for a $0 monthly premium.

These plans cover as much as original Medicare, so you can be assured of getting hospitalization coverage, medical coverage, and preventive care, also annual screening appointments, and vaccines.

More so, Humana’s HMOs cover emergency medical care outside of the United States.

#2. Human PPO Plans

Preferred Provider Organization (PPO) plans are one of the best plan options that give you the freedom to choose any Medicare-approved doctor you wish to see. 

These plans provide in-network home health care. Also, they offer optional add-ons, such as vision, dental, prescription drug coverage, and fitness programs. In addition to the benefit, they provide emergency care outside the United States.

#3. Humana PFFS plans

Private fee for service (PFFS) is also one of the best plans but is not available everywhere. With a PFFS plan, you can see any Medicare-approved doctor, as long as they accept Humana’s PFFS terms of service and conditions of payment.

Also, with a PFFS plan, you don’t have to choose a primary care physician and you will not need a referral to see a specialist. Emergency care outside of the United States is covered.

#4. Humana SNPs

Special Needs Plans (SNPs) top the list of the best plans and are typically free and require no copays, premiums, or coinsurance. SNPs are only available if you meet specific criteria, such as:

There are two types of SNPs the Humana offers that are available in approximately 20 states. One of the types is for people who qualify for both Medicaid and Medicare, while the other type is for those who have certain chronic health conditions like cardiovascular disease, chronic heart disease, chronic lung disease, diabetes, and end-stage renal disease (ESRD)

In addition, If you qualify for a Humana SNP, you will get all of the benefits of original Medicare plus Medicare Part D.

To get more information about these Humana plans option, you can click here

What Do Humana Medicare Advantages Plans Reviews Cover?

As discussed earlier, each type of Humana Medicare Advantage plan comes with various extra services above what original Medicare offers. So, here are a few of the coverage benefits many Humana plans offer:

What State Offers Humana Medicare Advantages Plan?

Humana offers Medicare Advantage plans in 49 states, but are not sold in Alaska currently. Even though there is wide availability throughout the country, specific types of plans and coverage options may only be offered in certain areas.

Meaning that if your relative in another state has a Humana plan, the same plan might not be available to you.

How Much Do Humana Medicare Advantage Plans Reviews Cost?

Like I said earlier, Humana Medicare Advantage health plans vary by state and coverage. Some may cover prescription drug plans while others may include additional services, such as dental, hearing, and vision.

So, here is a sample of the costs from Healthline for different Humana Medicare Advantage plans across the country.

City/planMonthly premiumHealth plan deductibleDrug plan deductibleOut-of-pocket maxPrimary doctor visitSpecialist visit
Portland, OR: Humana Gold Plus H1036-153 (HMO)$0$0$150$5,700 in network$0 copay$35 copay
Flagstaff, AZ: Humana Honor (PPO)$0$0doesn’t cover drugs$4,400 in network; $6,700 in and out of network$20 copay$50 copay
Tulsa, OK: Humana Value Plus H6622-049 (HMO)$19.60$203$445$7,550 in network20% coinsurance20% coinsurance
Daytona Beach, FL: Humana Gold Choice H8145-061 (PFFS)$101$0$200$6,700 in and out of network$5 copay$40 copay
Brooklyn, NY: Humana Gold Plus SNP-DE H3533-031 (HMO D-SNP)$21$0$200$6,500 in network$0$40

You can check this: What Is The Best Medicare Advantage Plan In 2021 | Best Answers?

Pro And Cons Of Humana Medicare Advantage Plans Reviews

Here are some pros and cons of Humana medicare advantage plans reviews you can consider.

NoProsCons
1.You can get coverage for when you travel outside of the United StatesSpecial Needs Plans are only available in select states
2.Humana operates the SilverSneakers fitness program$0 premium plans aren’t available in all areas
3. Many plans offer dental, vision, and hearing care coverageSome plans don’t include prescription drug coverage
4. Humana has a robust website with numerous user-friendly toolsAffordability is mostly limited to HMOs
5.Staff interpreters available for 200 languages
6.Extra discounts and benefits offered.

Humana Medicare Advantage Plans Reviews: Who is Humana Medicare for?

You can sign up for a Humana Medicare Advantage plan if:

  • You are about to turn 65, it can be in your 65th birthday month or within 3 months after your birthday.
  • If you or your spouse are seeking a Medicare Advantage plan.
  • You’re still working but we turn 65 soon. You can take a Medicare Advantage employer group plan but still have to pay your Medicare Part B premium and any copays or deductibles that apply.
  • In addition, if you collect Social Security Administration disability benefits. In this case, you might be under the age of 65.

Note: In all of these cases, you must have paid Medicare taxes and be a U.S. citizen. Also, you can enroll in a Humana plan at two different times each year:

  • Open Enrollment Period October 15–December 7
  • Medicare Advantage Open Enrollment January 1–March 31

Is Humana Medicare Advantage Reviews Legit Or Scam?

From the reviews, Humana Medicare Advantage is legit. When it comes to people’s (third party) reviews, Humana medicare advantage plans have an excellent reputation, though they receive fewer complaints.

According to J. D. Power’s 2020 U.S. Medicare Advantage Study ranked Humana third out of tenth companies in terms of overall customer satisfaction.

The study measures member satisfaction based on coverage and benefits, provider choice, cost, customer service, information and communication, and billing and payment.

Furthermore, according to AM Best reviews which is a credit agency that issues Financial Strength Ratings on insurance companies, rates Humana Medicare Advantage plans has an “A-” (Excellent) rating from AM Best.

So, if you have made the decision to go with Medicare Advantage plans after reading through the Humana reviews, then is a good one because of the benefit and health coverage you will receive.

CONCLUSION

Humana Medicare Advantage offers many benefits which include convenient coverage, multiple plan options, a 24-hour nurse hotline, and long-term savings.

There are some disadvantages as well, including provider limitations, additional costs, and lack of coverage while traveling.

Before switching plans or enrolling in a Medicare Advantage plan, it’s important to review healthcare needs and Medicare options by reading  Humana Medicare Advantage plan reviews and compare different options with the Medicare Plan Finder to choose the right plan.

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