Humana Medicare Advantage Plans Hawaii 2025
Explore Humana Medicare Advantage plans in Hawaii for 2025, featuring tailored HMO, PPO, and PFFS options to match your healthcare needs.
This guide cuts straight to the chase, presenting only what matters: plan benefits, costs, and straightforward enrollment instructions for Humana Medicare Advantage Plans Hawaii 2025.
Key Takeaways
- Humana Medicare Advantage Plans in Hawaii for 2025 consist of several types, including HMO, PPO, and PFFS, with plan costs and details influenced by geographical location, ensuring access to various beneficiaries.
- Benefits of these plans go beyond basic medical coverage and include supplementary benefits like dental, vision, and fitness memberships. Availability and details of the plans can vary with ZIP codes, with special attention to veterans through Humana USAA Honor.
- Understanding the costs is crucial; the average premium is estimated at $18.50/month. Humana offers lower-cost preferred pharmacies and Dual Eligible Special Needs Plans for those qualifying for both Medicare and Medicaid, adding financial benefits and comprehensive coverage.
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Overview of Humana Medicare Advantage Plans in Hawaii (2025)
Humana offers three types of Medicare Advantage plans in Hawaii – Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS).
They are designed with a unique approach to offer affordability, stability, and value to Medicare-eligible consumers, based on comprehensive research conducted in states like Maryland, Maine, Michigan, and Minnesota.
However, geographical location plays a significant role in determining the costs, coverage, and benefits of Humana’s Medicare Advantage plans. Whether you reside in the bustling streets of Honolulu or the peaceful shores of Kauai, your location can influence the details of your plan.
But rest assured, regardless of your location, Humana ensures that every beneficiary has access to suitable plans.
Key Benefits and Features of Humana Plans
A Medicare Advantage plan from Humana in Hawaii provides extensive coverage for both inpatient and outpatient services, including:
- Doctor’s visits
- Ambulance services
- Emergency and urgent care
- Durable medical equipment (DME) for beneficiaries of all disability statuses.
Humana’s Medicare Advantage plans extend beyond basic medical coverage. Their plans include supplementary benefits such as:
- Dental
- Hearing Health
- Prescription and over-the-counter medications
- Transportation
- Fitness memberships
These added benefits are designed to cater to the holistic health and well-being of beneficiaries of all origins and ages.
Plan Availability by ZIP Code
Humana’s commitment to providing tailored healthcare solutions to all is evident in the way their Medicare Advantage plans are made available.
The availability of these plans varies based on the ZIP code, ensuring that beneficiaries of all national origins, ages, and disabilities have access to suitable plans in their specific area.
With Humana USAA Honor, they continue to demonstrate their dedication to serving those who have served our country.
You can check the availability of Humana plans in your area by entering your ZIP code on the Humana website.
This will provide you with the relevant information, including the specific Humana Medicare Advantage plans available in your area. For instance, in Hawaii, the Humana Gold Plus HMO (H0028-049-002) and Humana Choice PPO (H5216-232-002, H5216-233-002) are currently available.
Comparing Humana’s Top-Rated Medicare Advantage Plans in Hawaii
After identifying the available plans in your area, the subsequent step involves comparison. To assist in this process, the Centers for Medicare & Medicaid Services (CMS) evaluates Medicare Advantage plans using a rating scale ranging from one to five stars.
A five-star rating represents the highest attainable rating for a plan, which serves to inform beneficiaries of all races, and national origins about the quality and effectiveness of each plan.
The HumanaChoice H5216-233 (PPO) and Humana Gold Plus H0028-048 (Medicare Advantage HMO) are the top-rated Humana Medicare Advantage plans, including Medicare Advantage HMO PPO options, in Hawaii for 2025.
Garnering high ratings from CMS, these plans are recognized for their extensive coverage and supplementary benefits tailored to meet the needs of beneficiaries of all colors, national origins, and ages.
How to Compare Plans Using Medicare.gov’s Plan Finder Tool
The Medicare.gov Plan Finder Tool is an invaluable resource for comparing Medicare Advantage plans. By simply inputting your ZIP code, you can locate and compare Humana Medicare Advantage plans available in your area.
This tool is a convenient method to evaluate Humana’s plan offerings, assisting you in shopping for and comparing various Medicare Advantage and Part D plans.
The Plan Finder Tool allows you to compare plans based on a range of criteria including:
- plan costs
- coverage options
- prescription drug coverage
- quality and performance measures
This ensures that beneficiaries of all gender identities, race color national origin, including identity or expression of transgender status, can find suitable providers.
So, whether you’re in Hawaii, New York, Ohio, Oregon, Pennsylvania, or even MD, ME, MI, or MN you can identify a plan that aligns with your medical and financial requirements, regardless of your military or veteran status.
Understanding Costs and Coverage: Humana Medicare Advantage Plans in Hawaii
Deepening your understanding of Humana Medicare Advantage plans involves learning about the associated costs and coverage.
The estimated average premium for a Humana Medicare Advantage plan in Hawaii in 2025 is $18.50 per month. However, other expenses such as co-pays and deductibles vary based on the selected health care plan.
Humana also offers additional financial benefits to members. Lower-cost preferred pharmacies, for instance, offer prescriptions at a discounted price, resulting in significant savings and reduced out-of-pocket expenses for prescription drugs.
Moreover, Humana’s Dual Eligible Special Needs Plans cater to individuals who qualify for both Medicare and Medicaid, offering supplementary benefits and coverage choices designed to meet their specific healthcare requirements.
Lower Cost Preferred Pharmacies
Humana understands that prescription drug costs can be a significant burden for many beneficiaries. That’s why they provide lower-cost preferred pharmacy benefits in all their Medicare Advantage plans.
These preferred cost-share pharmacies have committed to offering medications at a reduced cost for Humana Medicare members, helping them pay less for prescription medications.
The potential savings can be substantial. Beneficiaries can achieve savings on prescription drug costs at lower-cost preferred pharmacies through reduced cost sharing and discounts.
The precise savings amount may differ based on the pharmacy and the prescribed drugs. However, regardless of these variables, the potential for significant savings is real and provides a tangible financial advantage for members.
Dual Eligible Special Needs Plans
Humana’s commitment to providing comprehensive healthcare solutions extends to those who qualify for both Medicare and Medicaid. The Dual Eligible Special Needs Plans (D-SNPs) offered by Humana cater to these individuals, offering distinct benefits, such as:
- Prescription drug coverage
- Coordinated Medicare and Medicaid benefits
- Advanced features and advantages in comparison to regular Medicare Advantage plans
These plans provide comprehensive and cohesive care by integrating multiple coverages and addressing the specific requirements of dual-eligible individuals.
To apply for a Dual Eligible Special Needs Plan with Humana in Hawaii, individuals must be enrolled in both Medicare and Medicaid and fulfill the relevant eligibility requirements.
Enrollment can be completed online, over the phone, or in person. For additional information and the application procedure, individuals can visit the Humana website.
Enrollment Process and Checklist for Humana Medicare Advantage Plans in Hawaii
With a clear understanding of Humana’s Medicare Advantage Plans, you can proceed to the enrollment step.
To simplify this process, Humana provides a downloadable checklist designed to guide you through the enrollment process. It requires personal information such as your date of birth, address, and Medicare number, which can be located on your government-issued Medicare card.
Keep in mind that maintaining your enrollment in any Humana plan requires contract renewal. This means that you will need to renew your contract with Humana periodically to maintain your coverage.
But don’t worry; Humana will provide you with all the necessary information and support to ensure a smooth renewal process.
Important Dates and Deadlines
As you prepare to enroll in a Humana Medicare Advantage plan, it’s important to be aware of the relevant dates and deadlines.
The significant dates for Medicare Advantage enrollment for 2025 in Hawaii are from October 15 to December 7, 2023. Furthermore, the open enrollment period for Humana Medicare Advantage plans is from January 1st to March 31st.
If you wish to alter or discontinue your Medicare Advantage Plan, you can do so from January 1st to March 31st each year.
There is also a Medicare Advantage disenrollment period from January 1st through February 14th, during which beneficiaries can disenroll and return to Original Medicare.
Free Language Interpreter Services
Humana demonstrates its commitment to inclusivity and accessibility by providing free language interpreter services.
These services include oral interpretation in more than 200 languages and video interpretation in 24 languages, enabling a wide range of beneficiaries to access healthcare information in their preferred language.
To access these services, beneficiaries simply need to contact the dedicated number, 1-877-320-2233, to arrange an appointment for assistance.
This service ensures tailored language assistance throughout the enrollment process, helping non-English speakers and individuals of any national origin age disability to comprehensively comprehend and engage in the administration of their healthcare.
Hawaii Medicare Resources and Assistance
Beyond Humana’s extensive resources and support, numerous local and state agencies in Hawaii also aid Medicare beneficiaries, including Hawaii residents.
The State Health Insurance Assistance Program (SHIP) in Hawaii, for instance, provides complimentary health insurance information, education, counseling, and referral services to individuals with Medicare.
Other local agencies also offer assistance and resources, including:
- The Senior Medicare Patrol (SMP) Hawaii, which provides fraud prevention services
- Med-QUEST, the Hawaii Medicaid Program, which offers healthcare coverage for eligible individuals
- Non-profit organizations like AlohaCare, offer Medicare coverage and aid to beneficiaries in Hawaii.
State Health Insurance Assistance Program (SHIP)
The State Health Insurance Assistance Program (SHIP) in Hawaii offers the following services to Medicare beneficiaries:
- Complimentary health insurance information
- Education
- Counseling
- Referral services
Whether you need help with Medicare enrollment decisions or need assistance navigating the intricacies of Medicare, the SHIP agency is there to guide you, including those with status military or veteran.
Accessing SHIP’s services is as simple as visiting the official Hawaii SHIP website. This platform provides comprehensive resources to support individuals in making informed Medicare enrollment decisions.
By offering impartial support from local counselors, SHIP simplifies the process for beneficiaries and enables them to make well-informed choices.
Other Local and State Agencies
Apart from SHIP, other local and state agencies in Hawaii assist Medicare beneficiaries. The Senior Medicare Patrol (SMP) Hawaii, for instance, helps protect beneficiaries from healthcare fraud and abuse. Med-QUEST, the Hawaii Medicaid Program, provides healthcare coverage for eligible individuals.
Non-profit organizations also play a significant role in supporting Medicare beneficiaries. AlohaCare, for instance, is a non-profit health plan founded by Hawaii’s Community Health Centers.
It provides comprehensive managed care to qualifying individuals and families, offering another valuable resource for Medicare beneficiaries in Hawaii.
Summary
Navigating the Medicare Advantage landscape can seem daunting, but with Humana’s comprehensive plans and dedicated support, the journey becomes much simpler.
Humana’s Medicare Advantage plans in Hawaii offer a blend of affordability, stability, and value, tailored to the unique needs of each beneficiary. With comprehensive coverage, lower-cost preferred pharmacies, and Dual Eligible Special Needs Plans, Humana ensures that every beneficiary can access the healthcare they need.
So, whether you’re a Hawaiian resident like Koa or a Medicare beneficiary anywhere else, remember – choosing a Medicare Advantage plan is not just about selecting a healthcare plan.
It’s about choosing a partner who will guide you through your healthcare journey, providing the support, resources, and care you need to live a healthy and fulfilling life.
Frequently Asked Questions
→ What is new for Humana 2025?
In 2025, every single Humana USAA Honor plan offers a $0 monthly plan premium, a Part B giveback, dental, vision, and hearing coverage, coverage that works alongside Veterans Affairs (VA) health care, and access to Humana Customer Care specialists who collaborated with USAA to receive special training to better serve.
Additionally, all Humana Medicare Advantage (MA) plans now offer dental, vision and hearing benefits.
→ What is the best Medicare Advantage plan for 2025?
The best Medicare Advantage plan for 2025 is offered by Humana, known for high-quality ratings, good customer satisfaction, widespread availability, and several affordable plans, according to Forbes Health and customer reviews.
→ What are the disadvantages of Humana Medicare Advantage?
The disadvantages of Humana Medicare Advantage include a limited choice of doctors and medical offices compared to Original Medicare, as well as potentially higher costs for those with complex medical needs. It’s best suited for those do not need expensive treatments or tests.
→ What is the Humana over-the-counter allowance for 2025?
In 2025, Humana offers a $100 quarterly allowance for purchasing approved over-the-counter health and wellness products through their OTC Mail Order provider. Any unused amount expires at the end of the quarter.
→ What types of Medicare Advantage plans does Humana offer in Hawaii?
Humana offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS) plans in Hawaii. These plans provide a range of options for Medicare Advantage coverage.
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