Humana Medicare Advantage Plans Montana 2025
Searching for Humana Medicare Advantage plans in Montana for 2025? You’re in the right place. Humana provides Humana Medicare Advantage plans Montana in 2025 that fit a range of healthcare needs and financial situations.
In this article, we break down the specifics – types of plans, costs, and how to enroll, ensuring you have all the information to choose wisely.
Key Takeaways
- Humana offers a range of affordable Medicare Advantage plans in Montana for 2025, including $0-premium options, with over 98% of eligible residents having access to such plans.
- Beneficiaries can choose between different Humana plan types including HMO and PPO, with various added benefits such as dental, vision, hearing, and prescription drug coverage.
- Humana’s Medicare Advantage Plans, rated an average of 4.5 stars by CMS, provide comprehensive care through a broad network of providers and include features like pharmacist helplines and over-the-counter benefits.
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Overview of Humana Medicare Advantage Plans in Montana 2025
Humana offers several Medicare Advantage plans for Montana residents in 2025, including the Local PPO Medicare Advantage plan, Medicare Advantage HMO, and PPO plans. These cater to various needs and preferences, and with an average monthly premium of $24.28, they remain affordable.
Remarkably, 98.5% of Medicare-eligible individuals in Montana have access to a Montana have access to a $0-premium Medicare Advantage plan,-premium Medicare Advantage plan in 2025, boosting its accessibility for the state’s residents.
Humana’s dedication to quality is reflected in the high ratings received by its Medicare Advantage plans. The 4.5-star rating out of 5 from CMS indicates the superior quality of Humana’s Medicare Advantage plans in Montana.
Significantly, 94% of Humana’s Medicare Advantage members are enrolled in plans rated 4 stars and above, indicating high member satisfaction.
Plan Types Offered by Humana
Humana Insurance Company offers several Medicare Advantage plans in Montana, such as Medicare Advantage HMO PPO, Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS) plans.
These plans, provided by Humana Insurance Services, are designed to accommodate a variety of preferences and needs, ensuring diverse healthcare needs are met.
The HMO plans require members to select healthcare providers from a designated network, while PPO plans offer greater flexibility by allowing members to choose providers outside of the network. Humana’s HMO plans provide comprehensive coverage, including routine dental, vision, and hearing care, along with the benefits of Medicare Parts A and B.
However, a limitation of HMO plans is the requirement to use a network of providers.
On the other hand, Humana’s PPO plans, offered by private insurance companies, provide financial protection through an annual out-of-pocket maximum, and supplementary benefits like regular dental, vision, and hearing care.
However, these plans also come with limitations, such as network constraints and potential complexity in costs and options for members.
Network Providers
Humana’s Medicare Advantage plans in Montana include a network of healthcare providers, ensuring quality care and accessibility.
To find a network provider, beneficiaries can utilize the ‘Find a doctor’ tool on Humana’s official website or access the online searchable directory. Humana’s customer service is also available to provide further support.
Humana has established partnerships with five major hospitals in Montana through the Monida Healthcare Network. The network includes a variety of specialized medical practitioners such as MD ME MI MN:
- Family Doctors
- Internists
- Radiologists
- Counselors
This network offers a wide range of Centerwell Health Care Services to serve Medicare beneficiaries, including Medicare Advantage enrollees and Medicaid services, under a Medicare contract.
Key Features of Humana’s Top-Rated Medicare Advantage Plans
Humana’s top-rated Medicare Advantage plans in Montana feature some key affordability attributes that make them a top choice for beneficiaries.
These include zero-dollar premium options and Part B reduction plans, which not only make healthcare more affordable but also offer great value to Montana residents.
With over 54% of projected Medicare members expected to have access to a $0 monthly premium plan in 2025, Humana’s zero-dollar premium Medicare Advantage plans are a popular choice for Montana residents. These plans enable enrollees to access the plan’s benefits without the obligation of paying a monthly premium.
Another significant feature of Humana’s top-rated plans is the Part B reduction plans, which assist in reducing out-of-pocket costs associated with Medicare Part B, thereby providing additional financial relief to beneficiaries.
Zero-Dollar Premium Plans
Humana’s zero-dollar premium Medicare Advantage plans in Montana offer health coverage with no monthly plan premiums, providing beneficiaries with significant cost savings.
To be eligible for these plans, individuals must be enrolled in Medicare Part A and Part B and must not be enrolled in another Medicare Advantage Plan.
These zero-dollar premium plans offer dental and prescription benefit enhancements, new allowances, and a USAA co-branded plan. They cover all the benefits of Medicare Parts A and B, plus extra benefits such as dental, vision, and hearing coverage.
Humana also offers a Humana Plan, the Dual Eligible Special Needs Plans (D-SNPs), for individuals who qualify for both Medicare and Medicaid, regardless of their national origin, age, disability, or gender.
Part B Reduction Plans
Humana’s Part B reduction plans in Montana offer a distinctive feature that reduces out-of-pocket costs for Medicare beneficiaries. These plans contribute to a Part B premium reduction benefit through the Medicare Advantage plans, thereby enhancing healthcare affordability.
Humana’s Medicare Advantage plans in Montana offer a $40 Part B reduction plan. This feature contributes to enhancing affordability by reducing out-of-pocket costs associated with Medicare Part B, providing much-needed financial relief to beneficiaries.
Additional Benefits and Coverage Options
Beyond primary healthcare coverage, Humana’s Medicare Advantage plans in Montana deliver numerous additional benefits, including:
- Prescription drug coverage
- Vision and dental coverage
- Fitness and wellness programs
- Over-the-counter benefits
- Transportation services
- Telehealth services
These supplementary benefits extend the coverage beyond what Original Medicare typically covers, leading to a more comprehensive healthcare solution for Medicare beneficiaries.
One of the significant additional benefits offered by Humana’s Medicare Advantage plans is prescription drug coverage. The coverage of prescription drugs may differ depending on the plan type, and beneficiaries can use several tools to ascertain the specific prescription drugs covered.
Prescription Drug Coverage
Prescription drug coverage is a crucial component of Humana’s Medicare Advantage plans. To access the list of prescription drugs covered under Humana’s Medicare Advantage plans in Montana, individuals can sign in to MyHumana or reach out to Humana directly for assistance.
There may be restrictions on prescription drug coverage under Humana’s Medicare Advantage plans.
Each plan may have its own formulary and coverage criteria, including lower-cost preferred pharmacies. Beneficiaries should examine the plan specifics for further details regarding prescription drug coverage.
Dental, Vision, and Hearing Benefits
Apart from providing medical and prescription drug coverage, Humana’s Medicare Advantage plans in Montana also include routine dental, vision, and hearing benefits, guaranteeing comprehensive coverage for beneficiaries.
The dental, vision, and hearing benefits are highly valuable as they cover annual check-ups and other routine healthcare needs that are not typically covered by Original Medicare.
Beneficiaries can access their MyHumana account to review the status of their claims and obtain details about the allowances provided for covered out-of-pocket services.
Comparing Humana’s Medicare Advantage Plans with Other Providers
Though Humana presents an extensive array of Medicare Advantage plans in Montana, comparing these plans with offerings from other top providers is valuable.
This comparison assists individuals in making a well-considered decision and selecting a plan that optimally caters to their healthcare needs and financial circumstances.
Some of the top providers that you can compare Humana’s Medicare Advantage plans with include UnitedHealthcare and Blue Cross Blue Shield. These providers offer a variety of plans with different features, benefits, and costs, providing a range of options for Montana residents.
UnitedHealthcare
UnitedHealthcare is another top provider of Medicare Advantage plans in Montana. They offer a variety of plans, including HMO and PPO plans, which cater to different healthcare needs.
When compared to Humana, UnitedHealthcare’s plans offer distinctive features. For instance, their Dual Complete MT-S001 (PPO D-SNP) plan provides a $137 monthly credit for health-related expenses and improved member experiences.
Beneficiaries need to consider these features and compare them with Humana’s plans to make an informed decision.
Blue Cross Blue Shield
Blue Cross Blue Shield is another notable provider of Medicare Advantage plans in Montana. They offer plans with:
- $0 monthly premiums
- Low cost-sharing
- Generous allowances for dental, vision, and hearing
- Comprehensive coverage including Original Medicare benefits.
Comparing these features with Humana’s plans can be beneficial for beneficiaries. While the average monthly premium for Humana’s plans is $24.28, Blue Cross Blue Shield offers plans with $0 monthly premiums.
However, Humana also includes dental, vision, and hearing coverage, making it crucial for individuals to assess and compare the offerings of both providers.
Enrollment Process and Assistance
The procedure to enroll in Humana’s Medicare Advantage plans in Montana is uncomplicated. Eligible residents can conveniently maneuver through the enrollment process with the assistance and resources provided by Humana.
To ensure a smooth enrollment process and seamless contract renewal, Humana provides a range of resources and assistance, including:
- Licensed sales representatives to aid in the enrollment process
- Additional information and support available on the Humana website
- Customer service available for further assistance
Eligibility Criteria
To enroll in Humana’s Medicare Advantage plans in Montana, individuals must meet specific eligibility criteria. These include being at least 65 years old and being enrolled in Medicare Part A and Part B.
There is no specific income or financial status requirement for Humana’s Medicare Advantage plans. However, individuals must reside in a state where Humana offers Medicare Advantage plans.
It’s also important to note that previous Medicare enrollment is not a requirement for eligibility for Humana’s Medicare Advantage plans.
How to Enroll
Enrolling in Humana’s Medicare Advantage plans is a simple process. Here are the steps to follow:
- Visit the Humana website.
- Choose the most suitable plan.
- Click on the ‘Enroll’ button.
- Complete the enrollment form with personal details.
- Follow the instructions provided.
- Apply
To enroll in a Humana Medicare Advantage plan, it is necessary to provide personal information on the enrollment form, such as date of birth, address, and the Medicare number located on the Medicare card.
Licensed insurance agents can assist you in comprehending plan options, elucidating benefits, aiding with enrollment forms, addressing inquiries, offering personalized recommendations, aiding with coordination of benefits, and delivering continuous support.
Montana Medicare Resources
Montana provides numerous resources for residents seeking Medicare Advantage plans. These resources offer useful information and aid, assisting residents in navigating through the options to select the most fitting plan.
Among these resources, the Montana State Auditor’s Office and licensed insurance agents play a crucial role.
They offer assistance and resources specifically tailored for Medicare Advantage clients, providing information on Medicare and tools to compare different Medicare plans.
State Auditor’s Office
The Montana State Auditor’s Office offers assistance and resources specifically tailored for Medicare Advantage clients. They provide information about Medicare and tools to compare various Medicare plans, including those from Humana.
In addition to providing information about Medicare, the State Auditor’s Office also offers a complimentary help program for Medicare beneficiaries and their families.
This program helps in determining eligibility, understanding benefits, and exploring options, making it a valuable resource for Montana residents looking to enroll in Medicare Advantage plans.
Licensed Insurance Agents
Licensed insurance agents play a significant role in the Medicare Advantage process in Montana. They offer personalized assistance and guidance to individuals, helping them navigate through the available options and choose a suitable Medicare Advantage plan.
To become a licensed insurance agent in Montana, individuals must fulfill any required pre-licensing education, successfully pass the state licensing examination, and submit a formal application.
Once licensed, they can assist individuals with selecting Humana Medicare Advantage Plans by offering comprehensive information on the plans, facilitating comparisons between different options, elucidating the coverage and benefits, and providing guidance throughout the enrollment process.
Summary
In conclusion, Humana offers a variety of Medicare Advantage plans in Montana, catering to the diverse needs of the state’s residents. From zero-dollar premium options to Part B reduction plans, Humana’s plans are designed to be affordable and comprehensive, providing additional benefits such as prescription drug coverage and dental, vision, and hearing benefits.
With resources like the Montana State Auditor’s Office and licensed insurance agents, residents can make informed decisions and choose the plan that best suits their healthcare needs and financial situation.
Frequently Asked Questions
→ What is new in Humana in 2025?
In 2025, Humana’s Medicare Advantage plans now offer dental, vision, and hearing benefits, providing additional coverage for members.
→ Is Humana available in Montana?
Yes, Humana is available in Montana, with clinics in-network for all Humana Medicare Advantage HMO and PPO plans, as well as a Dual Eligible Special Needs Plan for qualifying patients.
→ What are the disadvantages of Humana Medicare Advantage?
The disadvantages of Humana Medicare Advantage include limited choice of doctors and medical offices, and potentially higher overall costs, especially for those with complex medical needs.
These plans are more suitable for individuals who do not require expensive treatments or tests.
→ What types of Medicare Advantage plans does Humana offer in Montana?
Humana offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS) Medicare Advantage plans in Montana, providing a range of options for Medicare beneficiaries.
→ What are the key features of Humana’s top-rated Medicare Advantage plans in Montana?
Humana’s top-rated Medicare Advantage plans in Montana offer zero-dollar premium options and Part B reduction plans, making them an attractive choice for beneficiaries in the state.
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.