Humana Medicare Advantage Plans Louisiana 2025

Are you considering Humana Medicare Advantage plans for Louisiana 2025? Quickly grasp the essentials with this guide: uncover the plan types, benefits, and costs specific to Louisiana—everything you need for an informed Medicare Advantage decision awaits.


Key Takeaways



  • Eligibility criteria for Humana’s Medicare Advantage Plans include meeting Medicare and Medicaid requirements, being 65 years of age or older, or having a qualifying disability, with plans that accommodate dual-eligible individuals and offer supplemental benefits.

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Understanding Humana Medicare Advantage Plans in Louisiana



The design of Humana Medicare Advantage Plans in Louisiana is centered around customer needs. They offer a variety of plans, including options like Humana Gold Plus HMO and Dual-eligible Special Needs Plans.

These plans also include extra benefits such as dental, vision, and hearing coverage, providing a comprehensive healthcare solution tailored to your needs.

Humana’s Medicare Advantage plans are customized to cater to the specific needs of its members, irrespective of their origin, age, disability, or sex. This unique approach ensures that the plans are inclusive and accessible to all eligible individuals.


Types of Humana Medicare Advantage Plans

A variety of Medicare Advantage plans are offered by Humana in Louisiana and other states. These plans include HMO, PPO, and PFFS options, each designed to cater to different healthcare needs and preferences.

The structure of Humana’s HMO plan aims to offer Medicare benefits, including Medicare advantage HMO options, and prescription drug plans at an affordable cost, requiring the selection of a primary care physician and referrals for specialists to continue providing quality healthcare.

With its PPO plan, Humana offers:

  • Extensive provider flexibility


  • A variety of coverage options, including prescription drug coverage


  • Additional benefits such as dental, vision, and hearing coverage.


Humana’s PFFS plan allows members the freedom to visit any Medicare-approved provider who agrees to Humana’s payment terms, providing unrestricted access to Medicare benefits.


Key Features of Humana Plans

Humana Medicare Advantage Plans provide comprehensive coverage for Part A and B services, and most plans also include Part D for prescriptions. They go beyond Original Medicare by offering extra benefits such as:

  • Dental coverage


  • Vision coverage


  • Hearing coverage


  • Security Benefits


  • Allowances for eligible groceries and over-the-counter items.


The plans emphasize preventive care and provide a variety of care management services focused on preserving and enhancing the health of their members.

Furthermore, the plans come equipped with an out-of-pocket spending limit, offering financial safeguards against elevated medical expenses, ensuring members don’t have to pay excessively.

Comparing Costs and Benefits by Location


Humana Medicare Advantage Plans Louisiana 2025, Comparing Costs and Benefits by Location


Notably, the costs and benefits of Humana Medicare Advantage Plans may vary depending on your location in Louisiana. Hence, it’s crucial to compare the details of the plans available in your specific area to make an informed decision.

Additionally, Humana provides benefits tailored to the specific needs of the Louisiana region, including:

  • high-quality medical, behavioral health, and pharmacy coverage


  • access to additional benefits and rewards


  • coverage for hearing, medical, and vision services


For a detailed comparison of expenses among different plans in various locations within Louisiana, individuals can utilize Medicare’s plan finder, which also covers regions like CT, DC, and DE.


Lower Cost Preferred Pharmacies

One of the ways to reduce your prescription drug costs is by using preferred pharmacies. Humana has a network of lower-cost preferred pharmacies that provide prescriptions at a reduced cost for Humana Medicare members.

Selecting a preferred pharmacy may result in individuals experiencing:

  • Reduced copayments or coinsurance for their medications compared to a non-preferred pharmacy


  • Cost savings


  • Convenient access


  • Improved coordination of care for enrollees.


Worldwide Emergency Coverage

While healthcare coverage is crucial, it becomes even more important during emergencies, especially when you are outside of the United States. Humana Medicare Advantage plans offer worldwide emergency coverage, including coverage for medical expenses that arise during emergencies.

Moreover, Humana’s worldwide emergency coverage extends to cover emergency medical evacuation and the repatriation of remains.

In case of emergency care needed outside of the United States, you may need to make upfront payments for services and subsequently file a claim for reimbursement with Humana.

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Enrollment Eligibility and Requirements


Humana Medicare Advantage Plans Louisiana 2025, Enrollment Eligibility and Requirements


To enroll in a Humana Medicare Advantage plan, you must meet the eligibility criteria for both Medicare and Medicaid and must be a resident in an area where Humana provides its plans.

Among age requirements, individuals must be 65 years of age or older, or those under 65 can also be eligible if they have received disability benefits from Social Security or the Railroad Retirement Board for 24 months or more.


Origin, Age, Disability, and Sex Criteria

The eligibility for Humana Medicare Advantage plans is based on several factors, including color, national origin, disability status, age, and veteran status or religion. The prescribed minimum age for enrollment is 65 years or older.

However, individuals below this age may be eligible if they have a qualifying disability.

Humana ensures that its plans are inclusive and accessible to all, regardless of factors like disability or gender. Hence, these factors do not have any impact on the eligibility criteria for Humana Medicare Advantage plans.


Dual Eligible Special Needs Plans

For individuals who qualify for both Medicare and Medicaid, Humana provides Dual Eligible Special Needs Plans (D-SNPs).

These plans provide a range of special benefits, including prescription drug coverage, care coordination between Medicare and Medicaid, and access to additional benefits like dental, vision, and hearing care.

However, these plans come with certain limitations and exclusions. Enrollment eligibility requires qualification for both Medicare and Medicaid, and details of plans and coverage may differ depending on the location and the applicant’s military or veteran status.

Free Language Interpreter Services and Accessibility

In Louisiana, Humana Medicare Advantage offers free language interpreter services to its members. This initiative ensures that language is not a barrier to accessing quality healthcare services.

Beyond language services, Humana is committed to ensuring accessibility for all.

They guarantee pharmacy access for plan members in urban areas by establishing a network of preferred cost-share pharmacies, which may provide prescriptions at a reduced cost compared to standard in-network pharmacies.


Providing Free Language Interpreter Services

Covering over 200 oral interpretation languages and including American Sign Language for those with hearing impairments, Humana provides free language interpreter services.

Such comprehensive language support ensures that every member can communicate effectively and receive the care they need.

To utilize these services, customers can contact Humana Customer Care using the number provided on the back of their member ID card. With round-the-clock accessibility, these services ensure that language is never a barrier in receiving quality healthcare.


Access to Pharmacies in Urban Areas

Timely and proper healthcare is ensured by having access to pharmacies. By establishing a network of preferred cost-share pharmacies, Humana ensures accessibility for its members, which provides prescriptions at a reduced cost for Humana Medicare members.

While there is limited availability of 24-hour preferred cost-share pharmacies in Louisiana, Humana has exclusive partnerships with pharmacies in urban areas to ensure easy access to important medications.

Pharmacy access in urban areas may be more extensive compared to rural areas, providing convenience and easy access to medications for urban residents.

Optional Supplemental Benefit (OSB) Offerings


Humana Medicare Advantage Plans Louisiana 2025, Optional Supplemental Benefit (OSB) Offerings


In addition to standard benefits, the Medicare Advantage plans from Humana include Optional Supplemental Benefits (OSB) that can be tailored to meet individual needs.

By paying an additional monthly premium, individuals can customize their plan with optional supplemental benefits, such as:

  • Vision coverage


  • Dental coverage


  • Prescription drug coverage


  • Fitness programs


  • Over-the-counter allowances


This allows individuals to align the plan with their specific healthcare needs.

These additional benefits encompass dental, vision, and hearing coverage provided through the Humana Dental Medicare Network.

The vision benefits offered through Humana’s OSB may include annual eye exams, an allowance for eyeglasses or contact lenses, and screenings for conditions such as glaucoma and diabetic eye exams. Hearing benefits may include services and equipment.


Dental, Vision, and Hearing Coverage

In Louisiana, Humana Medicare Advantage Plans offer optional supplemental benefits including annual dental exams, two complimentary cleanings annually, and dental X-rays every five years. Additional dental procedures like fillings, extractions, and root canals are also covered.

The vision and hearing coverage includes benefits such as:

  • Annual eye exams


  • An allocation for glasses or contacts


  • Glaucoma screenings


  • Diabetic eye exams


  • Diagnostic hearing and balance tests prescribed by a physician


While these benefits are part of all 2025 Humana Medicare Advantage plans, there may be certain out-of-pocket expenses associated with the chosen plan.


Fitness and Wellness Programs

In addition to healthcare, Humana is committed to promoting overall well-being through fitness and wellness programs. Humana provides the SilverSneakers fitness program and the Go365 program at no additional cost to its members.

The SilverSneakers program is a fitness initiative aimed at individuals with Medicare, provided as a complimentary feature in most Humana Medicare plans.

The wellness program, known as Go365, adds an element of enjoyment and incentive to achieving health objectives, providing varying degrees of engagement for participants.

How to Choose the Right Plan for You


Humana Medicare Advantage Plans Louisiana 2025, How to Choose the Right Plan for You


The process of selecting the appropriate Humana Medicare Advantage plan includes:

  • Understanding Original Medicare and Medicare Advantage plans’ coverage


  • Assessing your situation


  • Comparing various plans


  • Selecting the most suitable one


  • Enrolling in it.


The key factors to consider when comparing Humana Medicare Advantage plans include costs, coverage, network, prescription drug coverage, and plan ratings.

By utilizing the tools made available by Humana, you can calculate the potential costs of different plans, compare the benefits, costs, and coverage for different plans, and make an informed decision.


Consider Your Healthcare Needs

In assessing your healthcare needs for a Medicare Advantage plan, it’s necessary to consider:

  • Your network of healthcare providers


  • Your financial situation


  • Your health necessities


  • Performance measures


  • Your health status


  • Your healthcare usage


Chronic illnesses and regular medications may influence your selection of a Humana Medicare Advantage plan. Humana provides comprehensive drug plans that encompass a broad spectrum of medications, which can be advantageous for individuals with chronic illnesses requiring regular medication.

It is crucial to thoroughly examine all options and consider the coverage and benefits offered by different Humana Medicare Advantage plans to ensure they align with your healthcare needs.


Compare Costs and Coverage

There can be significant variation in the costs of different Humana Medicare Advantage Plans. To comprehend the disparities in coverage and cost, you can visit Humana’s website to compare the benefits, costs, and coverage for different Medicare Supplement or Medicare Advantage plans.

Further, the premiums, deductibles, and copays for Part C plans differ based on the specific plan, including the Medicare Part B premium.

It is essential to carefully compare the detailed information on these expenses for Humana’s Medicare Advantage plans to gain a comprehensive understanding of potential payments.


In summary, Humana Medicare Advantage Plans in Louisiana offer comprehensive coverage tailored to your specific healthcare needs. From various plan options and key features to affordable costs and worldwide coverage, these plans are designed with the customer in mind.

Whether you need routine medical services, prescription drugs, or access to fitness and wellness programs, Humana has you covered. Remember, the best plan for you depends on your individual healthcare needs and circumstances, so take the time to evaluate your needs, compare plans, and make an informed decision.


Frequently Asked Questions


→  What is new in Humana in 2025?

In 2025, Humana Medicare Advantage plans now offer dental, vision, and hearing benefits, with options for $0 monthly plan premium, Part B giveback, and collaboration with Veterans Affairs health care.

This is new for 2025 and provides enhanced coverage for MA plan members.


  What is the best Medicare Advantage plan for 2025?

The best Medicare Advantage plan for 2025 is offered by Humana, as it has high-quality ratings, good customer satisfaction, widespread availability, and numerous $0-per-month plans.

Customers also report better quality of healthcare compared to AARP/UHC.


  What is the Humana over-the-counter allowance for 2025?

The Humana over-the-counter allowance for 2025 provides a $100 quarterly allowance for approved health and wellness products through the OTC mail-order provider. Any unused amount expires at the end of the quarter.


  What are the disadvantages of Humana Medicare Advantage?

The main disadvantages of Humana Medicare Advantage include limited choice of doctors and medical offices, and potentially higher overall costs for those with complex medical needs.

If you don’t require costly treatments or tests, these plans may still be suitable for you.


  What types of plans does Humana offer in Louisiana?

Humana offers a variety of Medicare Advantage plans in Louisiana, such as HMO, PPO, and PFFS options. Choose the one that best fits your needs.

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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.