Best Humana Medicare Advantage Plans South Carolina 2025

Deciding on a Medicare Advantage plan is a crucial step in ensuring that you have the healthcare coverage you need, and with the array of options available, it can feel overwhelming.

Humana, a leading healthcare organization, offers a range of Medicare Advantage plans tailored to meet the diverse needs of Medicare-eligible consumers, including Humana Medicare Advantage plans South Carolina 2025.

In this blog post, we’ll take a deep dive into Humana’s Medicare Advantage offerings in South Carolina for 2025, providing you with a comprehensive understanding of the different types of plans, their costs, benefits, and how to navigate the Humana network in the state.

 

Key Takeaways

 

 

  • Humana goes beyond basic health coverage by offering extra services such as complimentary language interpreter services, Centerwell Health Care Services for senior health-focused care, and robust member support for navigating in-network providers and handling out-of-network coverage.

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Understanding Humana Medicare Advantage Plans in South Carolina for 2025

Humana is renowned for its Medicare Advantage plans, which serve as an alternative to Original Medicare. These plans, offered through Humana insurance services, encompass services such as:

 

  • Hospital stays
  • Doctor visits
  • Lab tests
  • Certain preventive screenings

 

The organization is known for its consumer-focused approach to design these plans, ensuring they are tailored to meet the specific requirements of served Medicare beneficiaries under a Medicare contract.

 

South Carolina

The quality of Humana’s Medicare Advantage plans is clearly reflected in their star ratings.

In 2025, 94% of Humana’s Medicare Advantage members are enrolled in plans that have received a rating of 4 stars or higher from CMS, demonstrating Humana’s commitment to delivering high-quality services and ensuring customer satisfaction.

Humana also offers Medicare Advantage Prescription Drug Plans, which combine prescription drug coverage with a Medicare Advantage plan, providing an all-inclusive healthcare solution for enrollees.

 

Types of Humana Medicare Advantage Plans

 

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Humana offers a diverse range of Medicare Advantage plans including Medicare Advantage HMO PPO options, such as:

 

 

  • Medicare Advantage HMO (Health Maintenance Organization) plans
  • Preferred Provider Organization (PPO) plans
  • Special Needs Plans (SNPs)
  • Private Fee-for-Service (PFFS) plans

 

The Health Maintenance Organization (HMO) Plan includes a designated network of healthcare providers, such as doctors and hospitals, which members are obligated to utilize for their medical needs.

On the other hand, Humana’s Preferred Provider Organization (PPO) Plan offers enhanced flexibility with a network of preferred providers, enabling members to access out-of-network providers as well. This means referrals are not required for consultations with specialists, ensuring equal access to healthcare services for all members.

For those seeking flexibility, Humana’s Private Fee-for-Service (PFFS) Plan, a PFFS organization, allows members to choose any healthcare provider that accepts Medicare.

 

Enrollment Periods and Eligibility

2024 medicare advantage plansFor eligibility in Humana Medicare Advantage plans, individuals need to satisfy certain conditions. They should either be:

 

  • 65 years or older
  • Under 65 with a qualifying disability
  • Those with end-stage renal disease (ESRD) or permanent kidney failure requiring dialysis or a transplant also qualify.

 

Individuals can enroll in a Humana plan during the Medicare Advantage Open Enrollment Period from January 1 to March 31, or during the Annual Enrollment Period.

However, it’s important to note that enrollment in any Humana Medicare Advantage plan is contingent upon the plan’s contract renewal with Medicare. This implies that the availability of a plan for the new plan year is subject to the plan being renewed with Medicare.

Comparing Costs and Benefits of Humana’s South Carolina Plans

When it comes to costs, the average premium for Humana’s Medicare Advantage plans in South Carolina for 2025 is $14.42 per month, showing a 17.4% increase from 2023. In 2023, the average cost of a Medicare Advantage plan in South Carolina was $12.30, down from $11.46 in 2022.

Humana’s Medicare Advantage Plans in South Carolina cover essential health services and provide a variety of additional benefits, including:

 

  • Dental coverage
  • Vision coverage
  • Hearing coverage
  • Part B Premium giveback
  • SilverSneakers fitness memberships

 

While plan quality may vary by state, Humana’s South Carolina plans are recognized as among the most favorable.

 

Lower Cost Preferred Pharmacies

Humana’s preferred pharmacy network in South Carolina is a prime example of how Humana strives to pass savings onto its members.

 

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This network includes pharmacies such as CenterWell Pharmacy, offering Medicare members the opportunity to obtain prescriptions at reduced expenses compared to standard in-network pharmacies.

Members using Humana’s preferred pharmacy network benefit from:

 

  • Lower cost-sharing for prescription medications
  • $0 copays for certain drugs
  • Easy access to prescriptions
  • A wide network of pharmacies

 

The exact benefits and savings for each Humana plan depends on the specific plan details.

 

Dual Eligible Special Needs Plans

 

Humana medicare advantage plans 2023 Humana’s Dual Eligible Special Needs Plans are specifically designed for individuals who are eligible for both Medicare and Medicaid.

These plans integrate benefits from both programs, providing comprehensive coverage that regular Medicare Advantage plans do not provide.

To be eligible for such plans, individuals must meet the criteria of being eligible for both Medicare and Medicaid.

These plans are tailored for Medicare beneficiaries, including military service personnel, with additional qualifying conditions or dual eligibility, putting health and well-being at the forefront.

Humana’s Dual Eligible Special Needs Plans provide members with a range of special benefits, such as prescription drug coverage, dental, vision, and hearing coverage, and access to Healthy Connections Medicaid.

Extra Perks and Services for Humana Members

Humana doesn’t stop at just providing healthcare coverage, they go above and beyond by offering supplementary benefits that enhance the overall healthcare experience for their members.

In addition to the basic health coverage, members have access to a range of complimentary services, including discounted dental and vision services, hearing products, weight loss management, and more.

Some Humana Medicare Advantage plans provide an allowance that can be used for eligible groceries, over-the-counter products, utilities, rent, and transportation services such as taxis and ridesharing.

 

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Specific Humana Medicare Advantage plans also provide travel benefits to members, including coverage for emergency care while traveling outside the home area. This is particularly beneficial for members who frequently travel or have a lifestyle that takes them out of their home area often.

 

Free Language Interpreter Services

Comprehending your healthcare plan is important, and language should not hinder this understanding. Recognizing the diversity of their members, Humana offers complimentary language interpreter services to non-English speakers, guaranteeing access to essential support for utilizing healthcare services.

Non-English speaking members can access Humana’s interpreter services by reaching out to Humana Customer Care using the number provided on the back of their member ID card. Language assistance is offered at no extra charge.

In addition to this, Humana’s complimentary language interpreter services also include sign language interpretation for individuals with hearing impairments, ensuring that all members have equal access to information and services.

 

Centerwell Health Care Services

Centerwell Health Care Services is Humana’s initiative to promote the health and well-being of seniors on a daily basis. By focusing on personalized primary care for seniors, they aim to become a leading provider for this demographic.

Centerwell Health Care Services offers a comprehensive range of services for seniors, including comprehensive primary care, virtual or in-person consultations, advanced care planning, disease management programs, hospital care coordination, home care, in-house labs and tests, and education on navigating Medicare.

Their approach accommodates seniors’ needs with telehealth appointments, curbside visits, holistic care by board-certified physicians, integrated care teams, and state-of-the-art facilities, supporting senior health initiatives.

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Navigating the Humana Network in South Carolina

Navigating a healthcare provider network can be complex, but Humana aims to simplify the process for members.

To locate in-network providers with Humana in South Carolina, individuals can access the ‘Find a doctor’ tool on the Humana website. This tool allows users to search by:

 

  • Name
  • Condition
  • Specialty
  • Other criteria

 

to identify healthcare providers within Humana’s network in their area.

While in-network providers are often the most cost-effective option, there may be times when out-of-network care is necessary. The process for utilizing coverage when seeking services from an out-of-network provider with Humana in South Carolina is contingent upon the details of your specific plan.

Typically, there may be supplementary expenses involved, and it is recommended to carefully examine the coverage materials supplied by Humana for comprehensive details.

 

Provider Search Tool

Humana’s provider search tool is an efficient way to locate in-network providers. This online tool allows you to search for in-network care providers and compare doctor costs.

This feature is particularly beneficial for Florida residents, who might have different pricing structures for providers.

The provider search tool offers a range of providers, including other providers such as:

 

  • Physicians
  • Pharmacies
  • Hospitals
  • Other facilities

 

You can also use this tool to find specialists and to locate providers who are able to accept Medicaid coverage.

 

Out-of-Network Coverage

 

Compare medicare advantage plans While in-network providers are generally the most cost-effective option, out-of-network care may sometimes be unavoidable.

In South Carolina, Humana’s Medicare Advantage plans encompass out-of-network coverage. These plans offer flexibility and access to a wide range of healthcare providers.

However, seeking care from providers who are not in the Humana network can have a significant impact on the cost of care for Humana Medicare Advantage members in South Carolina, potentially leading to higher out-of-pocket costs.

 

It’s always advisable to carefully review the specifics of your plan and to reach out to Humana directly for further clarification.

Protecting Your Rights: Non-Discrimination and Accessibility

Humana is committed to upholding Federal civil rights laws, which prohibit discrimination in all of its health plans, including Medicare Advantage Plans in South Carolina.

This includes protection against discrimination based on:

 

  • race
  • color
  • national origin
  • age
  • disability
  • sex
  • other specified categories

 

In addition to its commitment to non-discrimination, Humana also prioritizes accessibility. They have taken steps to enhance web accessibility and inclusive design, offering accessible labels for visually impaired customers, and ensuring non-discrimination in healthcare service delivery as part of their ADA compliance efforts.

 

Compliance with Federal Laws

Humana’s Medicare Advantage Plans in South Carolina comply with all applicable federal non-discrimination laws, including those related to race, color, national origin, age, disability, sex, expression transgender status marital, age disability sex sexual orientation, sexual orientation gender identity, and sex sexual orientation gender.

 

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To ensure compliance with these laws, Humana implements measures to prevent discrimination or exclusion based on these characteristics and offers language assistance services.

They also uphold equal access to healthcare services, complying with legal mandates and upholding ethical business practices.

 

Reporting Concerns

Humana urges its members to voice any issues or complaints concerning discrimination or accessibility.

To report discrimination or accessibility concerns to Humana, individuals can contact 1-877-320-1235 or use a TTY to call 711. If escalation is desired, a civil rights complaint can be filed with the U.S. government.

Humana offers support for individuals who require assistance with filing a report of discrimination or accessibility concerns. Assistance can be requested or problems can be reported by contacting Humana Member Services or Customer Care.

Additionally, Humana manages reports through a grievance process, allowing customers to formally submit complaints about any aspect of Humana’s operations, activities, or behavior.

Summary

Choosing a Medicare Advantage Plan is a significant decision that impacts your healthcare coverage and financial situation. Understanding the options, costs, benefits, and processes involved with Humana’s Medicare Advantage plans in South Carolina can help you make an informed choice that best suits your needs.

Whether it’s understanding the types of plans available, the cost and benefits, the additional perks and services, or how to navigate the provider network, we hope this guide has provided you with a comprehensive understanding of Humana’s Medicare Advantage offerings in South Carolina for 2025.

Frequently Asked Questions

 

 

What is new in Humana in 2025?

In 2025, Humana’s USAA Honor plan offers a $0 monthly plan premium, dental, vision, and hearing coverage, and special access to Humana Customer Care specialists. Additionally, all Humana Medicare Advantage (MA) plans now offer dental, vision, and hearing benefits.

 

What is the best Medicare Advantage plan for 2025?

For the best Medicare Advantage plan in 2025, consider UnitedHealthcare and Humana as they offer a good balance between quality coverage, affordable costs, and a wide provider network, with numerous plan options to choose from.

Additionally, Humana has high-quality ratings, good customer satisfaction, widespread availability, and offers numerous $0-per-month plans. Consider reviewing the plans offered by these companies to find the one that best fits your needs.

 

What is the Humana over the counter allowance for 2025?

In 2025, Humana offers a $100 quarterly allowance for approved over-the-counter health and wellness products through their OTC Mail Order provider, with unused amounts expiring at the end of each quarter. No introduction or summary is necessary.

 

What are the disadvantages of Humana Medicare Advantage?

The disadvantages of Humana Medicare Advantage include a more limited choice of doctors and medical offices compared to Original Medicare, as well as potential higher overall costs for complex medical needs. It’s important to consider these factors when evaluating your healthcare options.

 

What types of Medicare Advantage Plans does Humana offer in South Carolina?

Humana offers Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Special Needs Plans (SNPs), and Private Fee-for-Service (PFFS) plans for Medicare Advantage in South Carolina.

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 ZRN Health & Financial Services, LLC, a Texas limited liability company

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Speak with a licensed insurance agent

 1-833-641-4938
TTY 711

Mon-Fri : 8am-9pm EST

Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.