Humana Medicare Advantage Plans Mississippi 2025
Are you exploring Humana Medicare Advantage plans in Mississippi for 2025? This article cuts through the noise, delivering exactly what you need to know about plan options, costs, and how to enroll.
Get ready to make an informed decision with a straightforward breakdown of Humana’s offerings that cater to your healthcare journey.
Key Takeaways
- Humana offers various Medicare Advantage plans in Mississippi with a 5-star rating for their Humana Medical Plan, Inc., and 94% of members enrolled in plans with 4 stars by CMS, providing prescription drug coverage and benefits akin to Original Medicare.
- Enrollment in Humana’s Medicare Advantage Plans is available around Medicare eligibility timeframes and during the Annual Election Period (AEP) from October 15 to December 7 each year, with plan availability contingent on contract renewal.
- Humana Medicare Advantage plans for 2025 feature a range of benefits including dental, vision, and hearing coverage, with options for $0 premium Dual-eligible Special Needs Plans and prescription drug coverage through preferred pharmacies, emphasizing a commitment to comprehensive healthcare.
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Overview of Humana Medicare Advantage Plans in Mississippi 2025
Humana offers a diverse range of Medicare Advantage plans in Mississippi, catering to the needs of different individuals. From HMO to PPO and PFFS plans, Humana provides options that align with the unique healthcare requirements of seniors.
The costs, coverage, and benefits of these plans vary by location, but they all aim to provide benefits like Original Medicare (Parts A and B), often including prescription drug coverage.
The design of Humana’s Medicare Advantage plans is not arbitrary; it is backed by extensive research into the needs and wants of Medicare-eligible consumers.
Humana Insurance Services contributes significantly to these plans’ provision, maintaining top-tier quality and affordability standards.
Humana’s commitment to excellence is evident in the recognition they’ve received for their Medicare Advantage plans. In 2025, Humana Medical Plan, Inc. in Mississippi achieved a 5-star rating for the first time.
Moreover, 94% of Humana’s Medicare Advantage members are enrolled in plans rated 4 stars and above by CMS, underlining the trust consumers have in Humana’s services.
Enrollment Process for Humana Medicare Advantage Plan
Enrolling in a Humana Medicare Advantage plan is a straightforward process. If you meet the eligibility criteria for Medicare in Mississippi, you can enroll in a Humana plan three months prior to your 65th birthday, extending until three months after your birthday month.
The annual Medicare fall open enrollment period runs from October 15 to December 7 each year. This period is also known as the Medicare Advantage Enrollment period.
Another vital timeframe to bear in mind is the Annual Election Period (AEP). This timeframe, running from October 15 to December 7, allows existing Medicare beneficiaries to modify their Medicare Advantage and Prescription Drug Plans for the following year.
This is an excellent opportunity for Mississippi residents to adjust their Humana plans based on their changing needs.
Keep in mind that eligibility for enrolling in a Humana Medicare Advantage plan is subject to contract renewal.
If the Medicare contract is not renewed, the plan may no longer be available for enrollment. Therefore, keeping an eye on contract renewal statuses is crucial in maintaining your plan availability.
Choosing the Right Humana Plan for You
Choosing the appropriate Medicare Advantage plan is an important decision with significant implications for your healthcare quality and costs. When considering a Humana plan, several factors should be considered.
These include:
- Coverage
- Plan types
- Additional services
- Costs such as premiums, deductibles, and out-of-pocket expenses
- The Star rating of the plan, which indicates the quality and performance
Humana offers a variety of Medicare Advantage plans in Mississippi, including Medicare Advantage HMO PPO options. Your health status plays a significant role in your decision, as the plan you choose should offer appropriate benefits and coverage for your current and future healthcare needs.
Another key consideration when selecting a plan is prescription drug coverage. Original Medicare does not cover prescription drug costs, and opting for a Medicare Advantage plan with drug coverage can substantially decrease your out-of-pocket expenses for prescriptions.
Humana Insurance Company offers this coverage, providing significant financial relief to many seniors by partnering with lower-cost preferred pharmacies.
Comparing Humana Medicare Advantage Plans with Other Providers
Selecting a Medicare Advantage plan involves comparing options from different providers offering Medicare Advantage plans.
In Mississippi, major providers include:
- Blue Cross Blue Shield
- UnitedHealthcare’s AARP Medicare Advantage Choice
- Aetna
- Cigna
- Clover Health
- Lasso Healthcare
- Patrius
- Humana
Humana stands out among these providers in several key areas. The primary distinctions between Humana’s Medicare Advantage Plans and those provided by UnitedHealthcare, for example, encompass:
- Product offerings
- Provider network
- Affordability
- Quality ratings
- Plan options
Humana typically demonstrates more favorable attributes in these areas. When compared to Aetna, Humana holds a larger share of the Medicare Advantage market in Mississippi, indicating competitive pricing and plan availability.
When compared to Blue Cross Blue Shield, Humana’s plans are recognized for their cost-effectiveness and inclusive prescription drug coverage.
In terms of customer satisfaction, Humana’s ratings range from 2.5 to 4.5 stars according to the NCQA, which can be competitive depending on the specific provider comparison.
Extra Benefits and Services Offered by Humana
Humana goes above and beyond by offering extra benefits and services for its Medicare Advantage members, including Medicaid services.
These include:
- Humana Healthy Options Allowance
- Go365 program
- SilverSneakers® program
- Sharecare program
- Medicare Annual Wellness Visit
These programs promote a healthy lifestyle by putting health first and offering incentives for members to stay active and engaged in managing their health.
In addition to wellness programs, Humana’s Medicare Advantage plans also include gym memberships through the SilverSneakers program. This program provides access to thousands of participating fitness locations nationwide, encouraging physical activity and overall fitness among seniors.
Beyond fitness and wellness, Humana’s prescription drug plan also provides coverage for prescription drugs.
By signing in to MyHumana, members can:
- Check the list of drugs covered by their specific plan
- Price their medication
- Manage medication costs
- Ensure they receive the necessary treatments.
Understanding Dual Eligible Special Needs Plans
A Dual Eligible Special Needs Plan (D-SNP) is a type of Medicare Advantage plan that is designed for individuals who are eligible for both Medicare and Medicaid.
D-SNPs integrate and manage the benefits of both programs to deliver comprehensive coverage and specialized care tailored to the needs of dual-eligible individuals.
To qualify for a D-SNP in Mississippi, individuals must meet the eligibility requirements for both Medicare and Medicaid. This includes being aged 65 or over, or under 65 with certain conditions, and meeting certain financial requirements.
Humana’s D-SNPs stand out due to their comprehensive coverage. They offer care coordination, prescription drug coverage, and additional benefits such as dental, vision, and a Healthy Options Allowance.
These plans provide tailored support for dual-eligible individuals, ensuring they receive the best possible care.
Navigating Changes and Renewals in Humana Medicare Advantage Plans
Humana’s Medicare Advantage Plans in Mississippi are structured to automatically renew each year, providing members with a hassle-free continuation of their coverage.
However, it is essential to review any changes to the plan, including:
- Premiums
- Deductibles
- Copays
- Coverage
- Benefits
- Prescription drug coverage
This will ensure that the plan continues to meet your healthcare needs.
The terms of Humana Medicare Advantage Plans may change annually at the beginning of each plan year.
Members should:
- Carefully review the notice of changes
- Reach out to Humana for clarification
- Consider alternative plans
- Remember the open enrollment period for making necessary adjustments.
Late renewal of your Humana Medicare Advantage Plan can lead to penalties. Hence, it’s recommended to monitor renewal deadlines closely and consult Humana or their website for complete information about penalties and the consequences of late renewal.
Summary
In conclusion, Humana’s Medicare Advantage Plans in Mississippi offer comprehensive coverage, a host of benefits, and high-quality care. Whether you’re comparing providers, considering a D-SNP, or navigating plan changes and renewals, Humana offers competitive options that put your health and well-being first.
Frequently Asked Questions
→ What is new in Humana in 2025?
In 2025, every Humana USAA Honor plan now offers a $0 monthly plan premium and additional benefits such as Part B giveback, dental, vision, and hearing coverage, and access to trained Customer Care specialists.
Additionally, all Humana Medicare Advantage plans now include dental, vision, and hearing benefits.
→ 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. The unused amount expires at the end of the quarter.
→ What are the disadvantages of Humana Medicare Advantage?
Humana Medicare Advantage plans may limit your choice of doctors and healthcare providers, potentially costing more if you have complex medical needs.
They may be best suited for those who do not require expensive treatments or tests.
→ What types of Medicare Advantage plans does Humana offer in Mississippi?
Humana offers a variety of Medicare Advantage plans in Mississippi, including HMO, PPO, and PFFS options. Each plan has different benefits and network options to consider.
→ When can I enroll in a Humana Medicare Advantage Plan in Mississippi?
You can enroll in a Humana Medicare Advantage Plan in Mississippi three months before your 65th birthday, extending until three months after your birthday month, or during the annual Medicare fall open enrollment period from October 15 through December 7.
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.