Humana Medicare Advantage Plans Washington 2025
Humana is known for offering a variety of Medicare Advantage plans that provide comprehensive coverage and additional benefits to beneficiaries. Let’s delve into the specifics of these Humana Medicare Advantage plans Washington for 2025 for the upcoming year.
Key Takeaways
- Humana offers a diverse range of Medicare Advantage plans in Washington for 2025, which include benefits such as hospital services, lab tests, prescription drug coverage, and supplemental benefits for dental, vision, and hearing without additional premiums.
- Plan availability and details vary by location and county, with the plans designed to meet the varying needs of beneficiaries. Some plans, such as the Humana USAA Honor (PPO) plan, are available in specific counties like Benton and Clark.
- Most of Humana’s Medicare Advantage plans feature inclusive prescription drug coverage, with benefits like $0 copays for certain medications at preferred pharmacies. Customers must compare plans from all available providers to choose the best option for their healthcare needs.
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Overview of Humana Medicare Advantage Plans in Washington for 2025
Humana, a leading provider of Medicare Advantage plans, offers a variety of plans in Washington. These plans serve as an alternative to Original Medicare coverage and include:
- Services from hospitals
- Doctors
- Lab tests
- Preventive screenings
Our company is offering Medicare Advantage plans, with a range of options including PDP, Medicare Advantage HMO PPO, and PFFS plans. All of these are under a Medicare contract, providing Medicare Advantage plans to eligible beneficiaries.
Humana carefully tailors these plans, understanding the preferences and needs of Medicare beneficiaries through comprehensive analysis. This approach ensures that the healthcare plans offered meet the diverse needs of the beneficiaries.
A key feature of Humana’s Medicare Advantage plans is the provision of supplementary benefits. The plans generally provide benefits such as dental, vision, and hearing, often without necessitating an additional premium.
They may also offer free language interpreter services to assist non-English speaking members.
Plan Availability by County
Humana Medicare Advantage plans in Washington are available across multiple counties, even those in rural areas.
However, their reach is not all-encompassing. It’s also worth mentioning that the details of costs, coverage, and benefits differ based on the specific location within the state.
For instance, the Humana USAA Honor (PPO) plan, a co-branded offering, is currently available in Benton, Clark, Columbia, Cowlitz, Franklin, and Garfield counties in Washington.
Premiums and Cost-Sharing
The pricing of Humana Medicare Advantage plans in Washington for 2025 is subject to variability, depending on the selected plan and its location. Certain plans may not require an extra monthly premium, but beneficiaries are still responsible for the Medicare Part B premium.
In 2025, 99% of beneficiaries, including those who are dual eligible special needs individuals, have access to Medicare Advantage Prescription Drug plans (MA-PD) without the need for an additional monthly premium.
The projected average monthly plan premium for all Medicare Advantage beneficiaries in 2025 is $18.50. This amount is in addition to their Medicare Part B premium.
Prescription Drug Coverage
Prescription drug coverage is inclusive in most of Humana’s Medicare Advantage plans in Washington. This feature helps beneficiaries, including those enrolled in special needs plans, effectively manage their medication expenses.
For instance, the 2025 plans provide the benefit of $0 copays for 90-day supplies of Tier 1 and Tier 2 medications at CenterWell Pharmacy, one of the lower cost preferred pharmacies. This strategy contributes to the affordability of medications.
Information regarding the medications covered under Humana Medicare Advantage plans in Washington can be accessed through the Humana Drug List, or formulary, on the official Humana website.
Indeed, Humana’s Medicare Advantage plans offer prescription drug coverage that goes beyond what is usually included in Original Medicare, providing an added and valuable benefit for members enrolled in the plans.
Extra Benefits and Services
Humana’s Medicare Advantage plans in Washington extend beyond primary care to include extra benefits like:
- Vision
- Dental
- Hearing
- Fitness services
These additional benefits enhance the overall healthcare coverage. In 2025, 97% or more individual plans offer some form of vision, fitness, hearing, or dental benefits, not only in Washington but also in other states like MD, ME, MN, CA, CT, DC, DE.
The extent of dental coverage in Medicare Advantage plans varies, with certain plans offering basic cleanings and preventive care while others provide more extensive coverage.
It’s important to note that dental coverage is separate from the Medicare Part B premium.
Humana’s Medicare Advantage plans in Washington include coverage for dental services such as annual exams, two complimentary cleanings per year, and dental X-rays once every 5 years.
Enrollment Process and Eligibility Requirements
For enrollment in a Humana Medicare Advantage plan, applicants must fulfill criteria such as Washington residency, qualification for both Medicare and Medicaid, and choice of a plan within Humana’s operating regions.
The main enrollment periods for Humana Medicare Advantage plans are the Initial Enrollment Period, which is when an individual first becomes eligible for Medicare, and the Annual Election Period from October 15 to December 7 each year.
To finalize your enrollment in a Humana Medicare Advantage plan, you may be required to submit certain forms such as:
- Medicare Advantage Medical Claim Forms
- Medicare Advantage and Prescription Drug Plan Dis enrollment Instructions and Form
- Medicare Prescription Drug Claim Form
Tips for Choosing the Right Plan
A handful of factors should be considered when choosing a Humana Medicare Advantage Plan in Washington. These include:
- Monthly premium
- Co-pays
- Deductibles
- Coinsurance
While some plans may have $0 monthly premiums, they may still entail other expenses such as co-pays and pay-related deductibles.
Humana Medicare Advantage plans in Washington offer a range of coverage options, including:
- Dental benefits
- Vision benefits
- Hearing benefits
- Insulin coverage (some plans)
- Prescription drug plans (some plans)
It’s also important to verify that the plan’s network includes your preferred healthcare providers to ensure access to essential medical services.
Supplementary benefits that can significantly improve the appeal and value of a Humana Medicare Advantage Plan in Washington include:
- Dental coverage
- Vision coverage
- Hearing coverage
- Lifestyle coverage
- Transportation coverage
These benefits provide individuals with more comprehensive healthcare choices.
Customer Support and Resources
Humana Medicare Advantage Plans offer member assistance and resources including access to tools, forms, and help with plan usage.
To reach Humana’s customer service for Medicare Advantage Plans, individuals can call 1-888-204-4062 (TTY: 711) during the hours of 8 a.m. – 8 p.m. from Monday to Friday, Eastern time.
Humana complies with all relevant Federal civil rights laws. The company does not discriminate based on:
- race
- color
- national origin
- age
- disability
- gender
- military or veteran status
- religion
Summary
In conclusion, Humana’s Medicare Advantage plans offer comprehensive coverage and additional benefits. With various plan options and competitive premiums, beneficiaries have the flexibility to choose a plan that best suits their needs.
It is essential to compare the offerings of different providers, consider the cost factors, and understand the coverage options before deciding.
Frequently Asked Questions
→ What is new in Humana in 2025?
In 2025, all Humana USAA Honor plans offer $0 monthly plan premium, Part B giveback, dental, vision, and hearing coverage, alongside Veterans Affairs health care support, and access to specially trained Humana Customer Care specialists.
Additionally, every Humana Medicare Advantage plan includes dental, vision, and hearing benefits.
→ What is the best Medicare Advantage plan for 2025?
For the best Medicare Advantage plan in 2025, consider UnitedHealthcare or Humana, as they offer a good balance between quality coverage, affordable costs, and additional benefits.
United Healthcare has the largest provider network, while Humana is known for its high-quality ratings and low-cost plans.
→ What is the Humana over the counter allowance for 2025?
Humana provides a $100 quarterly allowance for over-the-counter health and wellness products through their OTC mail order service for 2025. Unused allowance expires at the end of each 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 higher costs for individuals with complex medical needs.
It is important to consider these limitations when evaluating your healthcare options.
→ What types of plans does Humana offer in Washington?
Humana offers a variety of Medicare Advantage HMO, PPO, and PFFS plans in Washington, providing various options to choose from.
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.