Humana Medicare Advantage Plans Rhode Island 2025
The world of healthcare can be complex, especially when it comes to navigating the various Medicare plans available to you.
If you’re a Rhode Island resident looking for a reliable Medicare Advantage plan, Humana has got you covered. Offering a diverse range of plans with extensive coverage, Humana is a trusted name in the healthcare industry.
But, with so many options available, how do you select the one that’s just right for you? Well, that’s where this guide comes in.
We’ll take you through the ins and outs of Humana Medicare Advantage plans Rhode Island 2025, offering you valuable insights into their types, key features, ratings, and more. Let’s set sail on this journey to discover the best healthcare plan for you.
Key Takeaways
- Humana offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-for-Service (PFFS) Medicare Advantage plans in Rhode Island for 2025, which cover more than the Original Medicare and often include dental, vision, hearing, and prescription drug coverage.
- Humana’s Medicare Advantage plans in Rhode Island are highly rated, with 94% of its Medicare Advantage members enrolled in plans rated 4 stars or above by CMS and offering features like lower-cost preferred pharmacies for prescription drugs in some areas.
- Eligibility for Humana Medicare Advantage plans requires being at least 65 years old and enrolled in both Medicare Parts A and B, and residents can enroll during the initial enrollment period around their 65th birthday or during the annual fall open enrollment period from October 15 to December 7.
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Humana Medicare Advantage Plans in Rhode Island for 2025
Within the scope of Medicare Advantage plans, Humana stands as a prominent provider. As of 2025, Humana continues to offer a variety of Medicare Advantage plans in Rhode Island, each designed to cater to the unique needs of its members.
These plans act as a substitute for Original Medicare, offering coverage that frequently surpasses the confines of Medicare Part A and Part B.
Humana is one of the six private health insurance providers offering Medicare Advantage plans in Rhode Island. This gives residents multiple options to choose from for their healthcare coverage.
These plans are designed to meet the needs of qualifying U.S. adults, particularly those seeking convenient coverage under a single insurer or those with chronic health conditions.
Types of Humana Medicare Advantage Plans
Humana offers four different main types of Medicare Advantage plans in Rhode Island: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Special Needs Plans (SNPs), and Private Fee-for-Service (PFFS). Each of these plans has distinct features tailored to different healthcare needs.
The HMO plan operates on a network-based model, with enrollees choosing a primary care physician for health care coordination and referrals to specialists.
The PPO plan, which is a type of Medicare Advantage HMO PPO, encompasses all Medicare Part A and B benefits and allows you to consult out-of-network providers at an increased cost for doctor visits.
Lastly, the PFFS plan offers the flexibility to see any Medicare-approved doctor or specialist who agrees with the plan’s payment terms, eliminating the need to stick to a provider network.
Key Features of Humana Plans
Humana’s Medicare Advantage plans, including their Medicare Advantage HMO options, are renowned for their comprehensive Medicare Advantage coverage. For starters, most Medicare Advantage plans cover dental, vision, and hearing, which are not included in Original Medicare.
Also, most of these Medicare plans, particularly the Advantage ones, offer no premiums, which means you get to enjoy an array of benefits without any extra costs.
Another distinguishing aspect of Humana’s plans is the integration of prescription drug coverage. This means that enrollees can have their prescription drugs covered under the plan.
Moreover, Humana offers a comprehensive network of healthcare providers, making it easy for enrollees to access healthcare services. All these features contribute to the cost-effectiveness of Humana’s Medicare Advantage plans.
Comparing Humana’s Top-Rated Plans in Rhode Island
Humana’s Medicare Advantage plans in Rhode Island have received high ratings, indicating their quality and reliability.
A testament to these ratings is the fact that 94% of Humana Medicare Advantage members in Rhode Island are enrolled in plans rated 4 stars and above, with 61% in plans rated 4.5 stars and above.
In 2025, Humana will be offering its highly rated Medicare Advantage plans in Bristol, Kent, and Newport counties. These plans may include access to lower cost preferred pharmacies for prescription drug coverage.
Plan Ratings and Reviews
The Centers for Medicare & Medicaid Services (CMS) uses a 5-star rating system to evaluate Medicare Advantage plans.
This rating system considers various factors, including access to services for non-English speaking beneficiaries. The ratings are determined based on 38 quality measures across five categories:
- Screenings
- Tests
- Vaccines
- Chronic conditions
- Member satisfaction
In 2025, while no plans in Rhode Island received a five-star rating, some of Humana’s Medicare Advantage plans did receive a 4.5-star rating from CMS.
This underlines the standard of Humana’s plans and their dedication to supplying superior healthcare services.
Coverage and Benefits Comparison
Humana’s highly rated Medicare Advantage plans in Rhode Island offer a diverse array of benefits, including:
- Dental coverage
- Vision coverage
- Hearing coverage
- Prescription coverage
However, it’s important to note that the coverage for prescription drugs may vary among Humana’s prescription drug plan options. For accurate information on the drug coverage of a particular plan, it’s recommended to sign in to MyHumana or directly contact Humana.
In addition to prescription drug coverage, Humana’s Medicare Advantage plans also offer coverage for out-of-network care. However, the extent of this coverage depends on the specific details of the plan.
Enrollment Process and Timeline for Humana Medicare Advantage Plans
Enrolling in a Humana Medicare Advantage plan involves a few simple steps. You can start your enrollment process three months prior to turning 65 and up to three months after your 65th birthday.
Medicare recipients can enroll in Medicare Advantage Plans during the annual fall open enrollment period, which runs from October 15 to December 7 each year.
The process involves filling out an enrollment form with personal details including date of birth, address, and Medicare number. You’ll need to verify your eligibility for both Medicare and Medicaid before enrollment and select a plan that is available in your area.
Rhode Island residents also have the option to enroll online by selecting a plan and completing the enrollment form with their personal information, which is especially convenient for those living in the MD, ME, MI, MN region.
The required documents for enrollment include your Medicare card, proof of residency, proof of age, and proof of citizenship or legal residency.
Eligibility Requirements
To enroll in a Humana Medicare Advantage plan in Rhode Island, you must be at least 65 years old and enrolled in both Medicare Part A and Part B. Furthermore, you must be a citizen or permanent resident of the United States.
Also noteworthy, registering for a Humana Medicare Advantage plan in Rhode Island demands a qualifying health condition confirmed by a doctor. Therefore, it’s crucial to consult with your healthcare provider before starting your enrollment process.
Enrollment Periods
There are specific periods during which you can enroll in a Humana Medicare Advantage plan. The Initial Enrollment Period spans from 3 months before you turn 65, continues through your birthday month, and concludes 3 months after.
Another important period is the Annual Enrollment Period, which spans from October 15th to December 7th annually.
Additionally, there are Special Enrollment Periods (SEPs) during which you can enroll or change plans outside of the official periods. These SEPs may be triggered by specific life events and can differ in duration.
Tips for Choosing the Right Humana Medicare Advantage Plan
Selecting the appropriate Medicare Advantage plan might be complex, yet with the proper guidance, you can make a knowledgeable decision. The primary step in this process is to assess your healthcare requirements and contrast different plans based on their coverage, benefits, and costs.
It’s also crucial to consider the potential expenses linked to Humana Medicare Advantage Plans. These expenses can include:
- Premiums
- Deductibles
- Copayments
- Out-of-pocket costs
Therefore, a comprehensive assessment of these costs will aid you in estimating potential healthcare spending for the year.
Assessing Your Healthcare Needs
When assessing your healthcare needs, considering personal factors like origin, disability, gender, and other aspects such as:
- age
- lifestyle
- medical history
is crucial. You should also consider any specific health conditions or chronic illnesses you may have.
If you have a chronic illness, it’s important to choose a plan that offers comprehensive support and services tailored to managing your disease.
The use of prescription medication should also impact your plan selection, as Humana offers Medicare prescription drug coverage to assist in managing medication expenses.
Lastly, your family medical history can provide valuable insights into potential inherited health risks, which should be taken into consideration when choosing a plan.
Comparing Costs and Benefits
To make an informed decision about which Humana Medicare Advantage plan to choose, it’s important to compare the costs and benefits of each plan. This includes considering factors such as:
- premiums
- deductibles
- copayments
- coverage details
- network options
- additional benefits
It’s also important to consider the potential expenses associated with Humana’s Medicare Advantage Plans. These expenses can include:
- Premiums
- Deductibles
- Copayments
- Out-of-pocket costs
The average monthly premium for Humana Medicare Advantage Plans in Rhode Island is $26.91 in 2023.
Rhode Island-Specific Resources for Medicare Beneficiaries
Despite having all the information at your fingertips, maneuvering through the Medicare Advantage landscape can still be complex.
Thankfully, there are a few Rhode Island-specific resources that can make the process easier.
The State Health Insurance Assistance Program (SHIP) in Rhode Island provides a range of services, including:
- Information provision
- Assistance
- Education
- Counseling
These services are designed to assist individuals in identifying suitable Medicare coverage options, including dual eligible special needs plans, that align with their needs and budget.
The program aims to help Medicare beneficiaries and their families make well-informed decisions about their health insurance coverage, with the added benefit of free language interpreter services and the guidance of a licensed insurance agent.
State Health Insurance Assistance Program (SHIP)
The State Health Insurance Assistance Program (SHIP) is a valuable service offered to Medicare beneficiaries in Rhode Island. It aids with plan selection and enrollment, making the process easier for beneficiaries.
Rhode Island’s SHIP offers personalized assistance in identifying suitable Medicare coverage at a reasonable cost. It aids beneficiaries in comprehending the intricacies of Medicare and assists them in navigating the array of available options.
Rhode Island residents can access SHIP services by contacting the Rhode Island State Health Insurance Assistance Program directly.
Medicare.gov Plan Finder Tool
Another helpful tool for Rhode Island residents is the Medicare.gov Plan Finder. This tool serves as an online platform designed to assist beneficiaries in comparing Medicare Advantage, including Humana plans, and Part D prescription drug plans that are accessible in their specific area.
You can use the Medicare.gov Plan Finder tool to input your information, including zip code and current coverage details, to compare and shop for various Medicare Advantage and Part D plans.
It provides a centralized and user-friendly platform for individuals to review their plan options.
To compare Humana’s Medicare Advantage plans in Rhode Island using this tool, simply enter your Rhode Island location, specify your individual requirements such as medications and preferred pharmacies, and evaluate the available options.
Summary
We’ve journeyed together through the landscape of Humana Medicare Advantage plans in Rhode Island, delving into the types of plans available, their key features, ratings, and the enrollment process.
We also highlighted Rhode Island-specific resources that can help you make an informed decision about your healthcare coverage.
Remember, choosing the right Medicare Advantage plan is an important step towards ensuring your health and well-being. So, take the time to assess your healthcare needs, compare the costs and benefits of different plans, and utilize the available resources to decide that best suits your needs and lifestyle.
Your health is your wealth, and it’s worth investing in the right plan.
Frequently Asked Questions
→ What is new in Humana in 2025?
In 2025, all Humana Medicare Advantage plans include dental, vision, and hearing benefits, providing more comprehensive coverage for members.
→ What is the best Medicare Advantage plan for 2025?
The best Medicare Advantage plan for 2025 is offered by UnitedHealthcare, as it provides a good balance between quality coverage, affordable costs, a large provider network, various plan options, and the option to add additional benefits.
Many beneficiaries find it appealing for these reasons.
→ What is the Humana over the counter allowance for 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 medical offices compared to Original Medicare, and potential for higher overall costs, especially for complex medical needs.
These plans are more suitable for those who do not require expensive treatments or tests.
→ What types of Humana Medicare Advantage plans are available in Rhode Island?
In Rhode Island, Humana offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-for-Service (PFFS) Medicare Advantage plans. Choose the one that best fits your 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.