Choosing a Humana Medicare Advantage plan in North Dakota for 2025 can be straightforward.
This article helps you compare HMO, PPO, and PFFS options, covers enrollment details, and explains eligibility – all tailored for North Dakota residents looking to make an informed decision for their healthcare in the coming year.
With our guide on Humana Medicare Advantage Plans North Dakota 2025, you’ll be well-prepared to make the best choice for your needs.
Medicare Advantage refers to health insurance provided by private companies, such as Humana, to Medicare beneficiaries aged 65 and above or with specific disabilities.
These plans are designed to meet the healthcare needs of the beneficiaries. Humana offers some of the best Medicare Advantage plans in North Dakota, including most Medicare Advantage plans like:
Registration in a Humana Medicare Advantage plan presents opportunities for reduced expenses, supplementary advantages, and a broad spectrum of healthcare professionals and services.
Choosing the most fitting plan requires North Dakota residents to evaluate the range of options considering their coverage, benefits, and costs.
Humana offers the following plans in North Dakota:
HMO Plans: These plans encompass reduced expenses, customized benefits, coverage for hospital care, skilled nursing facility care, home health care, and prescription drugs. They also encompass extra benefits like dental, vision, and hearing coverage.
Humana PPO plans provide the advantages of Medicare Parts A and B, integrate a yearly coverage threshold for extra security, and permit the choice of providers within a preferred network.
PFFS plans provide prescription drug coverage and emergency coverage that is applicable throughout the U.S. or globally.
Humana Medicare Advantage plans in North Dakota encompass a variety of healthcare services, including:
Humana also provides additional benefits offered, like allowances for eligible groceries, over-the-counter products, utilities, and rent.
To qualify for Humana Medicare Advantage plans in North Dakota, individuals must meet the eligibility criteria for both Medicare and Medicaid.
The enrollment periods for Humana Medicare Advantage Plans occur from October 15th to December 7th and from January 1st to March 31st annually.
When evaluating Humana’s Medicare Advantage options, consider factors such as costs, the provider network, and the availability of special needs plans.
The costs vary for each type of Humana Medicare Advantage plan in North Dakota; thus, it’s recommended to examine the plans available in your area for precise cost details.
Humana offers a variety of Medicare Advantage plans in North Dakota, such as Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans.
The costs for each type of Humana Medicare Advantage plan in North Dakota differ. It is advisable to review the plans available in your area to obtain specific cost details.
The costs include the monthly premium, deductibles, and copays, which are determined based on the specific plan chosen.
Humana’s provider network is significant as it sets the scope of healthcare providers, including doctors and hospitals, available to plan members.
A wider network provides more options, improving access to preferred healthcare services, whereas a limited network may constrain choices.
Humana offers Dual-Eligible Special Needs Plans (D-SNPs) and Chronic-Condition Special Needs Plans (C-SNPs) in North Dakota, as well as in the NJ NY OH region.
These plans are designed to cater to individuals with specific health conditions or financial needs, providing specialized benefits such as prescription drug coverage at $0 copays and a Healthy Options Allowance with rollover capabilities to assist in meeting their healthcare requirements.
Prescription drug coverage is a vital aspect of Medicare Advantage plans, offering valuable prescription drug benefits. Humana’s Medicare Advantage plans in North Dakota provide prescription drug coverage accessible through the MyHumana platform.
By accessing their accounts, individuals can check the list of covered drugs specific to their plan and evaluate their medication pricing.
The formulary in Humana Medicare Advantage plans serves as a comprehensive list of prescription drugs that are approved for coverage by the plan, which undergoes regular updates by medical professionals.
A formulary, often known as the drug list, is an extensive collection of covered drugs or medications. The formulary for Humana’s Medicare Advantage plans in North Dakota can be accessed on the Humana website.
The formulary is organized into various tiers according to the insurance plan and encompasses the most prescribed drugs that are eligible for coverage.
Each Humana Medicare Advantage Plan in North Dakota includes a united retail network, allowing members to get prescriptions from any pharmacy. Moreover, there are mail-order pharmacy alternatives accessible, with CenterWell Pharmacy being the favored cost-sharing mail-order pharmacy for numerous Humana MAPD and PDP plans.
Humana offers several tools and resources in North Dakota to help decrease the cost of prescription drugs. These include:
Members can also lower costs by utilizing lower cost preferred pharmacies in urban areas, such as CenterWell Pharmacy, which offers $0 copays for 90-day supplies of Tier 1 and 2 medications.
Opting for a Humana Medicare Advantage plan in North Dakota brings along numerous supplementary advantages. These include the SilverSneakers fitness program and the Go365 wellness program, in addition to an online wellness portal.
Humana’s Medicare Advantage plans in North Dakota also provide extensive coverage for dental, vision, and hearing services.
Humana offers its Medicare Advantage plan members in North Dakota access to the SilverSneakers fitness program and the Go365 wellness program.
These programs are designed to encourage and support members in making healthy lifestyle choices.
Humana Medicare Advantage plans in North Dakota provide the following coverage:
The vision coverage includes coverage for single vision, bifocal, or trifocal lenses with a $10 copay once every 12 months.
The hearing coverage encompasses diagnostic hearing and balance exams if prescribed by a doctor or healthcare provider.
Humana provides a range of support and resources for Medicare Advantage members, including customer care assistance through phone or chat, and access to tools and forms by logging in to their Humana member account online.
These resources are designed to facilitate efficient management of medical appointments and to help members understand and utilize their plan benefits.
Navigating through plan availability and choice can be a complex process. However, Humana provides a range of Medicare Advantage plans in North Dakota, including plans that offer coverage for dental, vision, and hearing.
The availability of these plans can vary by county and even by ZIP code, so it’s important to check the specific availability in your area.
Humana Medicare Advantage plans are available in North Dakota, but their presence may vary by county or ZIP code. It is important to check the specific availability in your area by visiting the Humana website or contacting Humana directly.
When personalizing your selection of a Humana Medicare Advantage plan in North Dakota, consider various factors such as:
Transitioning to a Humana Medicare Advantage plan in North Dakota requires careful consideration and planning.
It is advisable to begin by comparing plan options based on your current healthcare needs during the Annual Enrollment Period. If a suitable plan is identified, enrollment can be pursued.
Additionally, if dissatisfaction arises within the first year, there is the option to revert to Original Medicare and acquire a Medicare Supplement insurance plan.
To fully benefit from your Humana Medicare Advantage plan, understand how to manage your healthcare services, control your out-of-pocket expenses, and access preventive services.
Managing your healthcare services involves scheduling doctor visits, managing medical appointments, and understanding the coverage for these services.
Humana’s Medicare Advantage plans in North Dakota provide coverage for a range of healthcare services, including doctor visits, lab tests, and Medicaid services. To schedule a doctor’s visit, individuals can utilize their dedicated phone line or submit an appointment request online.
The out-of-pocket expenses for Humana Medicare Advantage plans in North Dakota comprise premiums, deductibles, and copays, which are set based on the specific plan chosen.
All Humana Medicare Advantage plans feature an annual maximum out-of-pocket cost limit, which restricts the expenses you must pay for covered services.
Humana Medicare Advantage plans in North Dakota include coverage for preventive services, such as exams and cleanings, at no extra charge. Accessing these services is as simple as locating a provider within the plan’s network that offers the required care.
In conclusion, Humana provides a range of Medicare Advantage plans in North Dakota, offering coverage for a variety of healthcare services, prescription drugs, and additional benefits. By understanding the available options and personalizing your plan selection, you can make the most of your Humana Medicare Advantage plan.
In 2025, Humana Medicare Advantage plans now include dental, vision, and hearing benefits, providing expanded coverage options for beneficiaries.
Based on customer satisfaction, plan options, and affordability, UnitedHealthcare and Humana are popular choices for the best Medicare Advantage plans in 2025, offering large provider networks and additional benefits.
The Humana over-the-counter allowance for 2025 is a $100 quarterly allowance for approved health and wellness products available through their OTC Mail Order provider. Unused amount expires at the end of the quarter.
The disadvantages of Humana Medicare Advantage include limited choice of doctors and medical offices, as well as potential higher costs for complex medical needs.
It is important to consider these factors when evaluating your options.
In North Dakota, Humana offers a variety of Medicare Advantage plans such as PDP, HMO, PPO, and PFFS.
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.