Humana Medicare Advantage Plans

Humana Medicare Advantage Plans Are Among The Best On The Market.

As the second-largest provider of Medicare Advantage plans, Humana offers both flexible design options and great rates. We highly suggest exploring Humana’s Medicare Advantage plans before moving forward with a policy purchase.

Are you looking to enroll in a Humana Medicare Advantage Plan?  

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Customize Your Benefits With a Humana Medicare Advantage Plan 

Humana’s Medicare Advantage plans bundles and expands your Original Medicare benefits to include vision, dental, hearing, and prescription drug coverage.    

Human is the Second Largest Provider of Medicare Advantage 

Nearly 20 million people (1 in 3 Medicare Beneficiaries) choose to enroll in Medicare Advantage. While the Medicare Advantage market is very competitive, three carriers dominate the market. Humana is one of them.

Total Medicare Advantage Market Percentage according to the Kaiser Foundation

These three of these carriers stand out above the competition by offering robust policies and the most competitive prices. As a result, these three carriers sell the bulk of Medicare Advantage policies. 

Humana’s Medicare Advantage Options

One reason why so many people choose Humana Medicare Advantage is the flexibility to customize your plan to fit your lifestyle and budget. 

Humana knows that there is no one size fits all approach when it comes to health insurance. Therefore they allow you to tailor your plan by purchasing the benefits you need and leave out the ones you don’t. 

Humana Medicare Advantage Quotes

Various Networks And Policy Types 

One of our favorite things about Humana is that they offer three different types of Medicare Advantage plans. Medicare HMO, Medicare PPO, and Medicare FFS plan options.   

Humana Gold Plus HMO

Humana Gold Plus HMO (health maintenance organization) is typically the lowest cost option for Medicare Advantage. With Humana Gold Plus HMO, you choose a primary doctor to coordinate all your healthcare services. Referrals from your chosen physician will be required before you can receive other healthcare services. This referral process reduces waste and allows Humana to offer a low-cost policy.  

Human Choice PPO

Humana Choice PPO (preferred provider organization) allows you to visit any doctor in or out of the network. However, you will save money by seeing doctors in-network. PPO plans give you more freedom and flexibility on how you receive your health care services. These plans offer predictable premiums and coinsurance that provide easy budgeting for your health care cost. 

Humana Gold Plus PFFS

Humana Gold Plus PFFS (pay-for-fee service plan) allows you to see any doctor who accepts Medicare as long as they agree to Humana’svc terms of service. This policy type is great for healthy individuals who don’t expect too many office visits in the upcoming year. Those who chose this option pay a preset fee for all services beyond your Original Medicare benefits. Humana’s PFFS plan is less popular; however, it can fit well for specific individuals.  

** The type of policies available to you will vary depending on where you live. 

Medicare Advantage Alternatives

Although Original Medicare provides great benefits, we all know that it’s far from perfect. Otherwise, you wouldn’t be exploring Medicare Advantage.

Looming within Medicare are several financial gaps that leave you exposed to high out of pocket medical costs. Medicare Advantage plans are one way to cover these gaps; Medicare Supplemental Insurance is another. Supplement plans fill the financial gaps of Medicare but do not expand your benefits or covered services as Medicare Advantage does.  

Most Medicare Advantage plans include Medicare Part D. However, you can also buy this on its own.  

How Much Do Policies Cost?

The only way to determine the cost of your Medicare Advantage plan is to request a personalized quote. Your age, state of residence, gender, zip code, and health status all factor into your quote and overall policy cost. 

The good news is that Humana’s rates are competitive across the board. Humana’s Medicare Advantage rates are always among the lowest options when we pull quotes for our clients. 

Although Medicare Advantage has a cost, these plans work to save you money. Advantage plans eliminate your out of pocket Medicare costs in exchange for a fixed monthly premium. Therefore your monthly premium expands your Medicare benefits and eliminates your Medicare deductibles, coinsurance, and copays. In some states, Humana even offers a $0 premium option. 

Rather than thinking of your policy a monthly expense, understand that Medicare Advantage plans save you money on medical expenses throughout the year by eliminating your out-of-pocket medical costs.  

If you’re shopping on a budget and want to find the lowest cost policy, our agents are here to help you compare Medicare Advantage Plans from all the top providers. As a result, you save both time and money on your policy. 

Let Us Help You Customize Your Medicare Benefits

Individuals who shop for insurance products alone often end up with inferior policies or pay more than they have to. An independent insurance agent can make sure you don’t have buyers regret but rather confidence in your decision. 

Our digital agency provides a streamlined way to explore all your Medicare options. Our independent agents help you shop plans, find the lowest rates, and assist with hassle-free applications.  

There’s no obligation when speaking with an agent. And our services are free for you to use. 

We’ve helped thousands of seniors customize their Medicare benefits. See what we can do for you! Get started today with your free Humana Medicare Advantage quote.    

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