Humana Medicare Advantage Plan 80840
Are you exploring the Humana Medicare Advantage Plan 80840 for your healthcare needs? This plan is recognized for more than just basic Medicare coverage; it incorporates prescription drug coverage, with the added advantage of dental, vision, and hearing care.
In this article, we’ll clarify why Plan 80840 could be the right choice for you, covering its key features, costs, and eligibility requirements.
Key Takeaways
- Humana Medicare Advantage Plan 80840 offers extensive health coverage including Medicare Parts A and B, prescription drugs, and routine dental, vision, and hearing services, plus wellness programs in a broad range of US states.
- Plan 80840 includes benefits such as coverage for a wide range of healthcare services and proactive preventive care while providing transparency on prescription drug coverage and out-of-pocket expenses like premiums, deductibles, and coinsurance.
- Humana strongly adheres to non-discrimination policies, ensuring accessibility through services such as ASL interpreters and language translation, and provides member support with educational tools, resources, and customer service contact options.
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Understanding Humana Medicare Advantage Plan 80840
At the core of the Humana Medicare Advantage Plan 80840 lies a commitment to providing a comprehensive health plan that includes both Medicare benefits and prescription drug coverage.
As a part of Humana’s portfolio, Plan 80840 offers these services through both HMO and PPO options, providing flexibility and choice to its members, making it a great choice for those considering Medicare Advantage HMO PPO plans.
This plan is not about just meeting the standard; it’s about exceeding it. In addition to the standard Medicare Parts A and B coverage, it also includes routine dental, vision, and hearing benefits, extending its coverage beyond the basics.
Whether you’re in California or Connecticut, the scope of this plan’s coverage is vast, available in states like CA, CT, DC, DE.
Key Features of Plan 80840
Plan 80840 is not just another Medicare Advantage plan. Its distinctive features, ranging from comprehensive coverage inclusions to unique wellness programs, make it stand out in the crowd.
We’ll now examine the key features that make Plan 80840 a viable option for your healthcare needs.
Coverage Inclusions
Humana Medicare Advantage Plan 80840 excels in offering a wide range of coverage inclusions, encompassing all the benefits of Medicare Parts A and B.
This includes coverage for mental health services and physical therapy, ensuring that members have access to a holistic range of healthcare services regardless of military status.
But that’s not all. The plan takes a proactive approach to healthcare, with preventive care services included in its coverage. Furthermore, urgent care services are also covered, ensuring that you have access to timely healthcare services when you need them the most.
This is regardless of your status military or veteran, veteran status or religion, a testament to Humana’s commitment to ensuring equal access to healthcare services.
Prescription Drug Benefits
With Plan 80840, your prescription drug needs are well taken care of. The plan offers coverage for a specified range of prescription drugs, including generic medications.
The list is dynamic, with each 2024 Humana Medicare Advantage plan having its own distinct list and criteria.
The prescription drug coverage is guided by a formulary, a carefully selected list of covered drugs developed in collaboration with healthcare practitioners. Bear in mind that exclusions and limitations may apply, with certain drugs having varying coverage limits depending on the plan.
Extra Perks and Wellness Programs
Plan 80840 offers:
- Basic health coverage
- Prescription drug coverage
- Routine vision coverage
- SilverSneakers coverage
With this plan, you have access to a comprehensive range of healthcare services.
The wellness programs offered by Plan 80840 are designed to promote a healthy lifestyle. These include tobacco cessation, maternity support, and cancer support services.
To access these benefits, members can review their insurance coverage using the benefits’ quick view or log in to MyHumana to manage their plan. Keep in mind that these benefits might be subject to certain restrictions or requirements.
Costs, Coverage, and Benefits Analysis
Comprehending the costs, coverage, and benefits of a plan is key to making an informed decision. Given the multitude of plans available, it’s important to select one that provides the most value for your investment.
Let’s examine in detail the costs, coverage, and benefits of Plan 80840.
Understanding Your Out-of-Pocket Expenses
Navigating the financial aspects of a health plan can be daunting. But with Plan 80840, you can be assured of transparency and clarity.
The plan features an annual maximum out-of-pocket cost limit, offering a cap on the total expenses a member will be required to pay out-of-pocket within a year.
Out-of-pocket expenses encompass the following:
- Premium
- Deductible
- Copayments
- Coinsurance
The magnitude of these expenditures is contingent upon the nature and frequency of the healthcare services needed.
The out-of-pocket expenses for Plan 80840 are determined based on the provisions outlined in the plan, including the premium, deductibles, copays, and any Part D prescription costs.
Comparing Plan Options
Choosing a health plan is not a decision to be taken lightly. With Plan 80840, you get the benefit of extensive coverage availability in 94% of U.S. counties and the inclusion of dental, vision, and hearing coverage in every plan.
Nonetheless, it’s prudent to compare options to make sure you’re making the best choice.
Several Medicare Advantage plans provided by UnitedHealthcare, Kaiser Permanente, and Cigna Healthcare, along with Medicare Supplement insurance plans from different providers, can offer comparable coverage and costs to Humana Medicare Advantage Plan 80840.
Finding Lower Cost Preferred Pharmacies
Locating lower-cost preferred pharmacies within the plan’s network can help you make significant savings on your prescription drugs. With Plan 80840, CenterWell Pharmacy has been designated as the preferred pharmacy. Preferred cost-share pharmacies may offer prescriptions at a reduced cost compared to standard in-network cost-share pharmacies.
You can locate lower-cost preferred pharmacies within the network by visiting Humana.com/finder/pharmacy. The plan’s Pharmacy Finder tool can be utilized online by selecting the network and entering the ZIP code.
To change to a preferred pharmacy, visit the Humana website and utilize their pharmacy tools to locate and select from preferred cost-share pharmacies.
Enrollment Eligibility and Guidelines
To enroll in a Medicare Advantage Plan, you need to comprehend the eligibility criteria and guidelines. With Plan 80840, you need to:
- Be aged 65 or above
- Be a citizen or permanent resident of the United States
- Be eligible for both Medicare and Medicaid
- Reside in a state where Humana provides D-SNPs, such as MD, ME, MI, MN or NY, OH, or PA.
The enrollment period for Plan 80840 spans from October 15 through December 7. However, there are instances where the standard enrollment period can be extended, such as during a Special Enrollment Period triggered by a qualifying life event.
Additionally, there is the annual Medicare Advantage Open Enrollment Period from January 1 to March 31, during which you can change your plan or enroll in a new Medicare Advantage plan.
Compliance with Discrimination Laws
Humana’s commitment to ensuring accessibility and non-discrimination in healthcare services is unwavering.
Adhering to stringent non-discrimination policies, the company guarantees equitable healthcare services to all members, irrespective of their background or status.
Ensuring Accessibility
Accessibility is at the heart of Humana’s service delivery. The company offers the following communication services at no cost for customers with disabilities or limited English proficiency to ensure access to healthcare information and services for all:
- American Sign Language (ASL) interpreters
- Language translation services
- TTY/TDD services
- Captioning services
In a bid to accommodate members with different needs, Humana provides free language interpreter services, including the following:
- A certified sign language interpreter for members with hearing impairments
- Language services, including over-the-phone interpretation in 150 languages and American Sign Language interpreters for non-English speaking members
- Materials in braille and other accessible formats for members with visual impairments
Non-Discrimination in Healthcare Services
At Humana, discrimination has no place. The company has a strict non-discrimination policy that prohibits discrimination or exclusion based on:
- age
- disability
- sex
- ethnicity
- marital status
- religion
- language
Humana is steadfast in its pledge to offer fair access to healthcare services, eschewing discrimination or exclusion based on:
- national origin
- age
- disability
- sex
- military or veteran status
Any complaints related to discrimination in healthcare services are addressed promptly, with individuals urged to visit their Humana Customer Care page or call the respective numbers for assistance.
Member Support and Resources
Support and resources for members are a cornerstone of Humana’s service delivery. With an array of digital resources and a committed customer service team, Plan 80840 members can expect timely assistance and access to useful resources.
Navigating Customer Service
Humana’s customer service team is on hand to help members with their inquiries. For general inquiries, members can reach out to customer service on 877-877-1051. Furthermore, there’s a specialized support line accessible at 800-457-4708 (TTY: 711).
In case you’re unable to wait on the phone, Humana offers a call back feature. You may dial the customer service number and request a call back instead of waiting on hold. Alternatively, you can use Humana’s live chat feature for immediate assistance online.
Educational Tools and Resources
Humana offers a wealth of educational tools and resources to help members make informed decisions about their healthcare. These resources include:
- Web-based training options like interactive webinars
- An educational series focusing on claims payment policies and processes
- Comprehensive information on a range of healthcare topics
Members can also find resources to understand their prescription drug benefits on the Humana website, which includes a drug list search tool, information about Medicare Part D, and details of Humana’s prescription drug coverage.
Additionally, Humana provides a benefit estimator tool that allows members to generate a customized estimate of their potential out-of-pocket expenses, considering the services they may require.
Summary
The Humana Medicare Advantage Plan 80840 stands out for its comprehensive coverage, robust benefits, and commitment to accessibility and non-discrimination. It offers a broad spectrum of healthcare services, including routine dental, vision, and hearing benefits, alongside prescription drug coverage.
The plan’s unique features, such as wellness programs, and its availability in 94% of U.S. counties, make it a strong contender for your healthcare needs.
Making an informed decision about your healthcare plan is crucial. With this review of the Humana Medicare Advantage Plan 80840, we hope to have provided you with a comprehensive understanding of its features, benefits, costs, and support resources.
Remember, the best plan is one that caters to your specific healthcare needs and fits well within your budget.
Frequently Asked Questions
→ Is Humana Medicare and Humana Medicare Advantage the same?
Yes, Humana Medicare and Humana Medicare Advantage are not the same. Medicare Advantage, also known as Medicare Part C, is offered by private companies like Humana and provides more benefits than Original Medicare.
→ Is Humana Medicare Advantage a good plan for seniors?
Yes, Humana Medicare Advantage is a good plan for seniors, as it has been recognized as the best overall Medicare Advantage plan company and has high ratings, good benefits, and no-monthly-cost plans for 2024.
→ Why are people leaving Medicare Advantage plans?
Many people are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers.
These issues are prompting individuals to seek alternative healthcare coverage options.
→ What types of healthcare services does Humana Medicare Advantage Plan 80840 cover?
Humana Medicare Advantage Plan 80840 covers a broad range of healthcare services, including routine dental, vision, and hearing benefits, physical therapy, mental health services, preventive care services, and urgent care services.
→ How can I find lower-cost preferred pharmacies within the Humana Medicare Advantage Plan 80840’s network?
To find lower-cost preferred pharmacies within the Humana Medicare Advantage Plan 80840’s network, you can use the Pharmacy Finder tool on Humana’s website. Simply select the network and enter your ZIP code to locate the pharmacies.
ZRN Health & Financial Services, LLC, a Texas limited liability company
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.