Humana Medicare Advantage Plans Oklahoma 2025
Choosing the right Medicare Advantage Plan is a critical decision that can significantly impact your health and financial well-being.
When it comes to options, Humana, a top-ranking health insurance company, stands out with its diverse range of Humana Medicare Advantage plans Oklahoma for 2025.
Throughout this article, we’ll delve into the details of these plans, from key features to costs, and even compare Humana with other providers. Let’s embark on this journey to find the best Medicare Advantage plan for you.
Key Takeaways
- Humana plans to launch a variety of Medicare Advantage plans in Oklahoma in 2025, expected to cover 94% of U.S. counties, with benefits tailored to veterans and others with specific health needs.
- Humana’s Medicare Advantage plans incorporate comprehensive benefits for you including coverage for Medicare Part A and B services, Part D prescription drugs, and supplementary benefits such as dental, vision, and fitness programs.
- The costs of Humana’s 2025 plans offer options like $0 premiums, but it’s vital to consider out-of-pocket expenses such as copays, coinsurance, and deductibles, as well as the Medicare Part B premium of $174.70 per month
Compare Plans in One Step!
Enter Zip Code
Understanding Humana Medicare Advantage Plans in Oklahoma for 2025
Humana Insurance Company, with its excellent financial strength and a top-ranking position in customer experience quality, is a force to reckon with in the health insurance sector, providing coverage to approximately 8.7 million Medicare members.
The company’s commitment to fulfilling its insurance obligations is further evidenced by its 2022 revenues, which amounted to $92.9 billion.
Humana plans to introduce a variety of Medicare Advantage plans in Oklahoma in 2025, with an expected coverage in 94% of U.S. counties.
The design of these plans is based on a thorough analysis of the preferences and requirements of individuals eligible for Medicare.
In a unique collaboration with USAA, Humana has crafted the Humana USAA Honor with Rx plan, designed specifically for U.S. military veterans.
Key Features of Humana Medicare Advantage Plans
A key attraction of Humana’s Medicare Advantage Plans is the extensive coverage they provide. Not only do they provide coverage for Medicare Part A and Part B services, but most plans also include Part D for prescription drugs.
This means beneficiaries have access to all the benefits of Original Medicare, with added advantages such as an allowance for eligible groceries and over-the-counter products.
Moreover, these plans offer supplementary benefits such as:
- Dental coverage
- Vision benefits, including annual eye exams, a yearly allowance towards eye wear, and screenings for glaucoma and diabetic-related eye health issues
- A fitness program
The fitness program, provided through SilverSneakers, grants access to a wide range of fitness facilities nationwide at no extra charge.
Plan Types: HMO, PPO, and PFFS Explained
Humana provides an assortment of Medicare Advantage plans, including a variety of Humana plan options:
- HMO plans
- PPO plans
- PFFS plans
- Dual-Eligible Special Needs Plans (D-SNPs) for those eligible for both Medicare and state Medicaid program
Each plan type comes with its own set of features and benefits to cater to the diverse needs of the Medicare beneficiaries.
For instance, there are different types of Medicare plans available, including:
- HMO plans, which offer Medicare benefits and require members to use healthcare providers within a specific network
- PPO plans, which offer more flexibility by allowing members to seek care from providers outside of the network
- PFFS plans, which allow members to choose any doctor who accepts Medicare patients and may offer lower cost preferred pharmacies for prescription drug coverage.
These different plans cater to different needs and preferences.
Enrollment Insights for Humana Plans in OK
The decision to enroll in a Medicare Advantage plan is significant for numerous Medicare beneficiaries.
In Oklahoma City, the current participation rate for Medicare Advantage plans stands at 23.93%, indicating a significant number of beneficiaries opting for these plans.
Among the multitude of plans, the HumanaChoice H5216-316 (PPO) and Humana HMO/HMOPOS plans have emerged as the most favored Humana Medicare Advantage plans in Oklahoma.
These Medicare Advantage HMO plans are available to all eligible individuals, underscoring Humana’s commitment to inclusivity, regardless of national origin, age, or disability.
When comparing Medicare Advantage HMO PPO options, it’s essential to consider the benefits and coverage offered by each plan.
The Cost Structure of Humana’s 2025 Plans
When it comes to costs, Humana’s 2025 Medicare Advantage plans offer an array of premium options. Many of these plans boast premiums of $0, making them a cost-effective option for eligible individuals, regardless of their age, disability, or gender.
However, it’s important to note that the Medicare Part B premium for individuals enrolled in a Medicare Advantage plan in 2025 is $174.70 per month.
Assessing out-of-pocket expenses is another important factor when selecting the appropriate plan. Factors to consider include:
- Co-pays
- Coinsurance
- Deductibles
- In-network and out-of-network out-of-pocket maximums
- Extra benefits
These factors should be considered when choosing a plan.
Premium Considerations
Several factors determine the premium costs of Humana Medicare Advantage Plans, such as the rating area of the county, the health condition of the enrollee, and the specific coverage details of Medicare Parts A, B, C, and D. An annual review of these premiums is conducted, and changes are made accordingly. Importantly, these changes apply to all enrollees.
In Oklahoma, Humana provides Medicare Advantage Plans with $0 premiums, such as the HumanaChoice (PPO) plan and the Humana USAA Honor plans.
This makes these plans an attractive option for those seeking comprehensive coverage at an affordable cost.
Out-of-Pocket Expenses
To comprehend the out-of-pocket expenses for Humana’s Medicare Advantage Plans, meticulous examination of the individual plan details or direct consultation with Humana is necessary.
It’s important to be aware that certain services such as hospital stays, surgeries, and specialty medications can result in higher out-of-pocket expenses due to deductibles, copayments, and coinsurance for these services.
However, there is a silver lining. Humana’s Medicare Advantage Plans in Oklahoma for 2025 offer the following benefits:
- An annual limit on out-of-pocket costs for all Part A and Part B-covered services
- Once this limit is met, the plan provides full coverage for all covered services
- Exemptions or deductions that could potentially lower out-of-pocket expenses
Specific details should be sought directly from Humana.
Humana’s Network and Coverage Area
Humana’s provider network in Oklahoma is comprehensive, ensuring beneficiaries have access to a wide array of healthcare services and providers.
This network includes a diverse range of specialists and major hospitals, enabling members to access specialized care and hospital services within the network.
Humana Medicare Advantage Plans are available in multiple counties throughout Oklahoma, including:
- Adair
- Bryan
- Caddo
- Canadian
- Carter
- Cherokee
Plan availability varies by ZIP code, so it’s advisable to check specifics for your location.
Star Ratings and Quality Measures
Humana’s performance in terms of overall star ratings and quality measures is commendable. Their 2025 Medicare Advantage plans have achieved an average star rating of 4.34, surpassing the overall average for Medicare Advantage plans from all providers in 2025, which is 4.04 stars.
Moreover, 92% of Humana’s Medicare Advantage members who are in rated contracts are in contracts with 4 stars or more.
Humana’s customer satisfaction level also exceeds the industry average in several major Medicare markets. This is evidenced by J.D. Power’s most recent study, showcasing Humana’s commitment to delivering quality care and exceptional service.
Special Benefits for Specific Groups
Humana offers special benefits for various groups, including those with diverse expression transgender status marital backgrounds. F
or veterans, Humana provides the Humana USAA Honor plans, designed to complement veteran benefits, and provide a comprehensive healthcare package for those who have served in the military.
For individuals with chronic health conditions, Humana offers Chronic Condition Special Needs Plans (C-SNPs) and Medicare Advantage D-SNPs which offer tailored care and coverage for conditions like diabetes and cardiovascular disorders.
Senior citizens and individuals requiring prescription drugs on a regular basis can also avail of special benefits, regardless of their national origin age disability.
Compaing Humana to Other Providers in OK
When comparing Humana to other providers in Oklahoma, it’s important to note that Humana’s Medicare Advantage plans have achieved top rankings as the best overall Medicare Advantage company.
They provide competitive costs and benefits in comparison to other providers in the state.
The availability of Humana’s Medicare Advantage Plans in Oklahoma varies by ZIP code, and the plans can be compared based on doctors, costs, and benefits using tools available on their website.
How to Choose the Best Medicare Advantage Plan for You
Selecting the most suitable Medicare Advantage plan requires careful assessment of your personal healthcare requirements and a detailed evaluation of the benefits provided by various plans.
Factors to consider include:
- Coverage
- Costs
- Current health status and healthcare utilization
- Need for supplemental coverage
- Network of providers
- Prescription drug requirements
- Quality and access indicators of the plans
Taking these factors into account will help you make an informed decision about the best Medicare Advantage plan for you.
Assessing Your Health Care Needs
When assessing your healthcare needs, factors like in-network doctors, prescription coverage, and additional benefits such as dental, vision, and hearing should be considered.
Access to a network of healthcare providers and facilities that are included in the health insurance plan can substantially reduce out-of-pocket expenses and enhance the coordination of care.
Prescription coverage is another significant factor, especially for individuals who require regular medications.
Furthermore, if you have a chronic illness, additional benefits designed specifically for individuals with chronic conditions, such as disease management programs, preventive services, and other support services, may be beneficial.
Evaluating Plan Benefits
In terms of evaluating plan benefits, it’s essential to contemplate the following factors:
- The plan’s total costs
- Whether your doctor is included in the network
- The coverage of your prescriptions
- The provision of dental coverage
- Any other additional benefits offered by the plan.
For instance, Humana’s Medicare Advantage Plans in Oklahoma for 2025 offer coverage for all the services provided by traditional Medicare Part A and Part B, along with additional benefits such as Medicaid services, prescription drug coverage, dental care, vision care, and hearing care.
Furthermore, all Humana Special Needs Plans will also encompass dental, vision, and hearing benefits from 2025 onward.
Accessing Support from Licensed Insurance Agents
Although the process of choosing a Medicare Advantage plan can be daunting, you are not alone in this journey.
Licensed insurance agents provide invaluable assistance, offering their expertise to help you find the best plan tailored to your needs.
Whether you have questions about Humana’s Medicare Advantage Plans in Oklahoma or need personalized recommendations, you can reach out to a licensed insurance agent by dialing 800-457-4708 (TTY: 711) during the hours of 8 a.m. to 8 p.m. Eastern time, daily.
Summary
To sum up, Humana’s Medicare Advantage Plans in Oklahoma for 2025 offer diverse options to meet the unique needs of Medicare beneficiaries. With comprehensive coverage, competitive costs, and additional benefits for specific groups, these plans stand out in the market.
Whether you’re assessing your healthcare needs, comparing plan benefits, or seeking support from licensed insurance agents, remember that the right plan is one that best aligns with your health and financial circumstances.
Frequently Asked Questions
→ What is new in Humana in 2025?
In 2025, every Humana USAA Honor plan offers a $0 monthly premium, Part B giveback, dental, vision, and hearing coverage, alongside VA health care, and specialized customer care.
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 with UnitedHealthcare, as it offers a good balance between quality coverage, affordable costs, and the largest provider network, making it appealing to beneficiaries.
→ 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, 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 limited choice of doctors and higher costs for complex medical needs, as well as the requirement to use their network of providers.
It’s best suited for those who don’t require costly treatments or tests.
→ What are the key features of Humana Medicare Advantage Plans in Oklahoma for 2025?
Humana Medicare Advantage Plans in Oklahoma for 2025 offer comprehensive coverage for Medicare Part A and Part B services, prescription drug benefits, and additional benefits like dental coverage, vision benefits, and a fitness program.
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.