Humana Medicare Advantage Plans New Hampshire 2025
Choosing the right Humana Medicare Advantage plan in New Hampshire for 2025 is crucial for your well-being and pocket. This guide provides a clear overview of your options, the benefits included, and practical steps for enrollment in Humana Medicare Advantage Plans New Hampshire 2025.
Key Takeaways
- Humana offers a variety of Medicare Advantage plans in New Hampshire for 2025, including HMO, PPO, and PFFS plans, aiming to provide affordability, value, and expanded benefits. Availability and eligibility vary by ZIP code and user demographics such as age and disability.
- Humana’s Medicare Advantage plans include zero-dollar premium options and supplemental benefits like dental, vision, and hearing. Special plans for veterans are also available, offering additional perks to complement VA coverage. Costs, benefits, and coverage details should be carefully reviewed by a licensed insurance agent.
- Humana’s Medicare Advantage plans in New Hampshire may offer Part B premium reductions, commonly known as the Medicare Giveback Benefit, which can save members up to the full monthly Part B premium. However, network restrictions can limit flexibility and choices for enrollees, who should compare plans to find one that best meets their needs.
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Overview of Humana Medicare Advantage Plans in New Hampshire for 2025
Humana Medicare Advantage plans, including Medicare Advantage HMO options, are a type of Medicare health plan provided by Humana Insurance Company, a private company contracted with Medicare.
These plans are designed with a focus on affordability, stability, and value. They aim to expand popular benefits to all plans, including those in states like MD, ME, MI, MN.
The availability of these plans is contingent upon your ZIP code and may not be accessible in all regions due to the Medicare contract. However, eligibility for Medicare in New Hampshire is extended to individuals who are 65 years old or have a qualifying disability.
Types of Humana Medicare Advantage Plans
Humana provides a variety of Medicare Advantage Plans to suit different needs, including Medicare Advantage HMO PPO and PFFS plans. These plans offer various options to help control costs not covered by traditional Medicare Part A and B alone.
PFFS plans, in particular, are designed to afford the opportunity to engage with any Medicare-approved provider who consents to the plan’s terms and conditions. This ensures that enrollees do not face discrimination based on:
- age
- disability
- sex
Special Plans for Veterans and Military Service Personnel
Humana’s Honor plans are specialized Humana Plan Medicare Advantage plans designed to complement VA coverage for veterans, ensuring they have access to comprehensive care without discrimination based on national origin, age, disability, or sex.
These plans provide specific additional benefits including dental, vision, and hearing coverage, designed to enhance VA benefits by offering $0 premiums, a Part B giveback, and the flexibility of accessing care closer to home, without discrimination based on disability or sex.
Humana’s Honor plans are accessible to individuals who meet the eligibility criteria for Medicare, including veterans and military service personnel residing in various states, such as CA, CT, DC, and DE.
Notably, military personnel who are currently active in service are also qualified to register for Humana’s Honor plans, enabling them to take advantage of the supplementary coverages provided by these plans without discrimination based on national origin, age, or disability.
Comparing Zero-Dollar Premium Humana Plans in New Hampshire
Zero-dollar premium Humana Medicare Advantage plans in New Hampshire offer:
- Additional benefits at no extra monthly cost
- Comprehensive coverage, including Medicare Parts A and B
- Additional benefits such as dental, vision, and hearing care
These plans do not discriminate based on origin, age, disability, sex, or marital status.
However, it’s important to note that zero-dollar premium Humana Medicare Advantage plans are exclusively accessible in specific locations within New Hampshire, and these plans often include lower cost preferred pharmacies to help members save on prescription medications.
Plan Benefits and Coverage
Dental, vision, and hearing benefits are universally included in all Humana Medicare Advantage plans in New Hampshire as part of their comprehensive coverage. However, each plan differs in its specifics.
For instance, the highest out-of-pocket expense for Humana’s Local PPO plan in New Hampshire is $4,800, and this plan may be suitable for various individuals, including those who are dual eligible or have special needs.
It’s essential to thoroughly assess the following factors when choosing a plan with a licensed insurance agent:
- Benefits
- Costs
- Specific coverage details
- Contract renewal terms
This will help you identify the most suitable plan based on your individual requirements.
Prescription Drug Coverage
Prescription drug coverage is a crucial element of numerous Humana Medicare Advantage plans, featuring diverse drug deductibles and copays, and is provided through Humana Insurance Services.
The Humana Medicare Advantage plans in New Hampshire for 2025 provide $0 copays for numerous covered prescriptions and include the Humana Premier Rx Plan, their most comprehensive Medicare Part D prescription drug plan, which covers over 3,700 prescription drugs.
Each plan encompasses its own formulary, a list of covered drugs selected by Humana in conjunction with healthcare practitioners, aiming to optimally cater to Medicare beneficiaries.
Specific tiered pricing and coverage for medication can be obtained by logging in to MyHumana or contacting Humana directly.
Five-Star Rated Humana Medicare Advantage Plans in New Hampshire
The Martin’s Point (HMO-POS) plan offers the following advantages:
- Exclusive five-star rating for 2025 in New Hampshire
- Access to CenterWell Health Care Services for comprehensive care
- Zero-dollar premium
- Up to $7,050 maximum out-of-pocket
- Vision coverage
- Included doctor’s visits
These benefits make it an attractive option for Medicare Advantage members, including those who have served Medicare beneficiaries in the past.
A five-star rating is a mark of a high-quality plan, as it indicates high scores in categories such as quality of care, performance measures, and customer service.
Enrollment Opportunities
To enroll in a 5-star rated Humana Medicare Advantage Plan, individuals must meet the eligibility criteria set by Humana. These typically include meeting age requirements, residing within the plan’s service area, and being enrolled in Medicare or Medicaid services.
You can enroll in a 5-star rated Humana Medicare Advantage Plan during the Annual Enrollment Period, which takes place from October 15 to December 7 each year.
During this time, you can fill out an enrollment form providing your personal information, including your date of birth, address, and Medicare number, as well as information about your healthcare provider network.
The 5-star special enrollment period provided by Humana allows dual eligible special needs individuals to enroll in or modify their Medicare Advantage plan outside the standard Initial Coverage Election Period.
Costs and Savings with Humana Medicare Advantage Plans
Humana Medicare Advantage Plans in New Hampshire offer the following benefits:
- Lower Part B premiums through the implementation of the Medicare Giveback Benefit
- $0 monthly premiums
- $50 Part B premium reimbursement for Medicare Advantage plan members
These benefits help to reduce overall costs for enrollees.
The estimated average cost of Humana Medicare Advantage Plans in New Hampshire for 2025 stands at $18.50 per month.
Part B Premium Reductions
The Part B Premium Reduction in Humana Medicare Advantage Plans is referred to as the Medicare Giveback Benefit or the Part B Giveback. This benefit is provided by certain Medicare Part C (Medicare Advantage) plans to decrease the Part B premium, thereby reducing out-of-pocket expenses for Medicare beneficiaries.
Members have the potential to save varying amounts, starting from 10 cents, and going up to the complete monthly Part B premium cost of $174.70 in 2025, through the Part B Premium Reduction in Humana’s Medicare Advantage Plans.
In the state of New Hampshire, the Humana Medicare Advantage plans that provide Part B premium reductions are the Medicare Giveback Benefit and the Humana USAA Honor with Rx plan.
Tips for Choosing the Right Humana Medicare Advantage Plan in New Hampshire
The disadvantages of network restrictions when considering a Humana Medicare Advantage plan include:
- Restricted provider network
- Potential for increased expenses when accessing out-of-network care
- Requirement for referrals to consult with specialists
- Need for preapproval for certain services or medications
- Limited flexibility in changing plans
Your decision regarding a Humana Medicare Advantage plan can be influenced by various factors, and the right choice of a Humana plan depends on these factors.
Comparing the benefits and coverage of different Humana Medicare Advantage plans in New Hampshire becomes easier using the comparison tool available on the Humana website.
This tool allows for a side-by-side assessment of different plans, with a focus on benefits, costs, and coverage, to aid in selecting the most suitable plan for specific healthcare needs.
Understanding Network Restrictions
In the realm of Medicare Advantage plans, a healthcare provider network represents a group of doctors, hospitals, and other healthcare providers who have agreed to offer services to members of the Medicare Advantage plan.
Beneficiaries can ascertain whether their current healthcare providers are in-network with Humana’s Medicare Advantage plan in New Hampshire by accessing the Humana website and utilizing their ‘Find a Doctor’ tool, which also allows them to compare with other providers.
However, Humana Medicare Advantage plans impose limitations on out-of-network care.
Typically, these plans offer restricted or no out-of-network benefits, resulting in beneficiaries potentially bearing the entire cost of services when seeking care from out-of-network providers.
Comparing Plan Benefits and Coverage
Humana Medicare Advantage plans in New Hampshire incorporate Original Medicare Part A and Part B benefits, prescription drug coverage, along with potential auxiliary benefits like dental, vision, and hearing care.
Coverage options differ among Humana Medicare Advantage plans, with PPO plans providing Medicare Parts A and B benefits along with added security, and MAPD plans combining hospital, medical, and prescription drug coverage.
Additionally, all plans generally include extra dental, vision, and hearing benefits. To compare Humana Medicare Advantage plans with others in New Hampshire, it is advisable to review and analyze plan benefits, cost, and coverage details from insurance companies such as:
- Aetna
- Anthem
- Blue Cross & Blue Shield
- Cigna
- UnitedHealthcare
- Wellcare
Assistance with Enrolling in a Humana Medicare Advantage Plan in New Hampshire
Individuals can obtain assistance for enrolling in a Medicare Advantage plan in New Hampshire by contacting the experts at Medigap.com, which works in association with the leading carriers in New Hampshire to simplify the Medicare Advantage plans enrollment process.
The process for enrolling in a Humana Medicare Advantage Plan in New Hampshire involves the following steps:
- Select a suitable plan.
- Visit Humana’s website.
- Click ‘Enroll’.
- Fill out the enrollment form with personal information.
- Provide any additional required information.
- Review the details.
- Submit the application.
To enroll, you will be required to furnish your personal information, which includes your date of birth, address, and Medicare number as indicated on your government-issued Medicare card.
Summary
In conclusion, Humana’s Medicare Advantage Plans for 2025 in New Hampshire offer a wide range of options catering to different healthcare needs.
From zero-dollar premium plans to five-star rated plans and special plans for veterans and military service personnel, Humana’s plans are tailored to provide affordable, comprehensive, and valuable healthcare solutions.
With a clear understanding of network restrictions, careful comparison of plan benefits and coverage, and the assistance available for enrolling, you can confidently choose the Humana Medicare Advantage Plan that best suits your needs.
Frequently Asked Questions
→ What is new for Humana 2025?
In 2025, Humana is offering new updates to their Prescription Drug Plans, including the Humana Walmart Value Rx plan with low generic cost shares.
Additionally, all Humana Medicare Advantage plans now include dental, vision, and hearing benefits.
→ What is the best Medicare Advantage plan for 2025?
The best Medicare Advantage plan for 2025 is from UnitedHealthcare, as it offers a good balance between quality coverage, affordable costs, and the largest provider network of all companies.
It also provides several plan options and the ability to add additional benefits.
→ What is the Humana over the counter allowance for 2025?
The Humana over-the-counter allowance for 2025 is a $100 quarterly allowance for purchasing approved health and wellness products through the OTC Mail Order provider, with any unused amount expiring at the end of the quarter.
→ What are the disadvantages of Humana Medicare Advantage?
The disadvantages of Humana Medicare Advantage include a more limited choice of doctors and medical providers, and they can cost more if you have complex medical needs.
These plans are best suited for those who don’t require expensive treatments or tests.
→ What types of Humana Medicare Advantage Plans are available in New Hampshire?
Humana offers HMO, PPO, and PFFS Medicare Advantage Plans in New Hampshire to cater to different healthcare needs.
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.