Humana Medicare Advantage Plans 2025
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Medicare Advantage Plans for 2025 - Compare & Enroll Here!
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Top Medicare Advantage Providers in 2025
In 2025, Humana continues its commitment to offering a broad spectrum of Medicare Advantage plans, such as HMO, PPO, SNP, and PFFS, addressing the varied needs and preferences of those with Medicare. With approximately 3,959 Medicare Advantage plans available for personal enrollment, Humana provides services to Medicare beneficiaries across the country.
Other popular companies for 2025 will include United Healthcare as well as Aetna. These plans may include extensive benefits beyond what Original Medicare covers, like dental, vision, and hearing aid benefits, along with a variety of wellness, clinical, and fitness programs.
Humana’s dedication to delivering a high-quality customer experience has led it to be ranked number one among health insurers for three years in a row.
As a leading Medicare Advantage insurance provider on a national scale, Humana’s key focuses include:
- Healthcare for retirees
- Holistic health and wellness
- Catering to people from all walks of life, including those with disabilities
- Serving individuals regardless of gender or sexual orientation.
Comparing Humana’s 2025 Medicare Advantage Plans
For 2025, Humana’s Medicare Advantage plans are available in four main categories:
- HMO (Health Maintenance Organization): This plan has a more restricted network of healthcare providers compared to PPO and PFFS plans, which offer greater flexibility.
- PPO (Preferred Provider Organization): This plan allows for more flexibility in selecting healthcare providers compared to HMO plans.
- PFFS (Private Fee-for-Service): Similar to PPO, this plan also provides more flexibility than HMO plans in choosing healthcare providers.
- SNPs (Special Needs Plans): These are specialized plans designed for individuals with specific conditions.
Each type of plan has its own set of features regarding network limitations, cost-sharing options, and benefits. In the following sections, we’ll delve into the distinct characteristics of each plan type and how they influence your healthcare experience.
Humana’s Medicare HMO Plans for 2025
The HMO (Health Maintenance Organization) plans from Humana are characterized by:
- Requiring members to use healthcare providers within their network.
- Needing referrals to visit specialists.
- It is more cost-effective but less flexible compared to other plan types.
- Making up about 56% of all Medicare Advantage plans available in 2025.
- Providing a consistent copay structure for in-network services.
A significant limitation of HMO plans is the network restriction, which can be especially challenging for those in rural areas to find accessible healthcare providers.
However, Humana’s 2025 HMO plans come with notable benefits, such as comprehensive dental, vision, and hearing coverage, enhanced dental benefits, and a possible limit on yearly out-of-pocket expenses, including for hearing services.
To locate in-network providers for Humana’s 2025 HMO plans, beneficiaries can use their online searchable directory.
Humana Medicare PPO Plans 2025
PPO (Preferred Provider Organization) plans offer more flexibility than HMO plans, as they allow members to visit out-of-network providers, albeit at a higher cost.
Humana’s PPO Medicare Advantage plans have a cost-sharing structure that includes copayments for both services and prescription drugs. The specific amounts vary based on the plan and the services used.
For instance, in the Humana Group Medicare Advantage PPO plan:
- The annual deductible for services is $0.
- Visits to primary care physicians come at no extra cost.
- There’s a $5 copayment for Tier 1 prescription drugs at Humana’s network of participating retail pharmacies.
When weighing Medicare Advantage HMO versus PPO options, it’s crucial to consider the differences in flexibility and cost-sharing structures.
For those enrolling in Humana’s PPO Medicare Advantage plans in 2025, the expected out-of-pocket costs include: A monthly Medicare Part B premium (in 2024, this was $174.70/month). Any applicable copayments and coinsurance.
These plans also come with an annual cap on out-of-pocket expenses, offering financial protection to the beneficiaries.
Humana Medicare Special Needs Plans 2025
Special Needs Plans (SNPs) from Humana are a distinct kind of Medicare Advantage plan that combines all the benefits of Original Medicare (Parts A and B) with prescription drug coverage (Part D). These plans are particularly crafted for individuals who either have specific qualifying conditions or are eligible for both Medicare and Medicaid.
Types of Special Needs Plans:
- Chronic Condition Special Needs Plans (C-SNPs): These plans are designed to cater to individuals with chronic health conditions such as diabetes, cardiovascular disorders, chronic heart failure, chronic lung disorders, and other qualifying conditions. C-SNPs focus on providing specialized care tailored to these specific health issues.
- Dual-Eligible Special Needs Plans (D-SNPs): Aimed at individuals who qualify for both Medicare and Medicaid, D-SNPs allow you to combine all your Medicare and Medicaid benefits into one streamlined plan. This makes managing your healthcare more straightforward and efficient.
2025 Premiums and Cost-Sharing: What to Expect
In 2025, many of Humana’s Medicare Advantage plans are set to be quite budget-friendly, with no extra monthly premium required for the majority of them. This makes them a viable option for numerous beneficiaries.
The cost-sharing structure, which includes costs for services and prescription drugs, varies among different plans.
For instance, the Humana Group Medicare Advantage PPO plan offers a $0 annual deductible for services and just a $5 copayment for Tier 1 prescription drugs at preferred pharmacies within Humana’s network.
It’s anticipated that nearly 99% of beneficiaries will have the option to choose a Medicare Advantage plan with prescription drug coverage (MA-PD) without an additional monthly premium in 2025.
Considering the average monthly plan premium for Medicare Advantage enrollees is expected to be around $18.50 in 2025, Humana’s Medicare Advantage plans are positioned as an economical choice for many Medicare beneficiaries.
Possible Additional Benefits Offered by Humana
Humana’s Medicare Advantage plans often come with added perks that increase the overall value of these plans. These extra benefits typically include:
- Vision coverage, which may include eye exams and glasses.
- Hearing coverage, potentially covering hearing aids and related services. Access to fitness services, possibly including gym memberships or wellness programs.
- Telehealth services, provide convenient access to healthcare professionals remotely.
Variation in Dental Coverage and Additional Benefits from Humana
The range of dental coverage in Humana’s Medicare Advantage plans can vary, and most plans have a yearly limit on the amount they cover for dental services.
Apart from these extra benefits, Humana’s Medicare Advantage plans also incorporate telehealth services. This feature allows beneficiaries to conveniently access healthcare providers remotely and benefit from telemonitoring services.
These added perks not only enhance the healthcare experience for Medicare beneficiaries but also contribute significantly to their overall well-being.
Medicare Advantage Plan Enrollment Period 2025
The process to enroll in Humana’s Medicare Advantage plans for 2025 varies based on your specific circumstances. Some distinct deadlines and requirements apply to new members, current members, and those who are retiring.
In the upcoming sections, we’ll provide a comprehensive breakdown of the enrollment process.
This will include key dates and steps for each category of members, ensuring a smooth transition to your selected Medicare Advantage plan.
Leveraging these resources can help beneficiaries comprehend their coverage options, including Medicaid services, and make an optimal choice for their healthcare requirements.
Enrollment for New Members in Humana's Medicare Advantage Plans for 2025
New members interested in Humana’s Medicare Advantage plans can sign up during the Annual Election Period (AEP), which runs from October 15 to December 7, 2024. Coverage will then start on January 1, 2025.
Here’s a step-by-step guide for new members to enroll:
- Verify Eligibility: Typically, eligibility requires being 65 years old or older, or receiving Social Security Disability Insurance (SSDI) benefits for 24 months. Ensure that factors like national origin, age, and disability status do not hinder enrollment.
- Explore Plans: Look into the Medicare Advantage plans available in your area.
- Assess Plan Options: Compare the benefits, costs, and network coverage of different plans.
- Select the Appropriate Plan: Choose the plan that best suits your healthcare needs.
Enrollment for Existing Members in Humana’s Medicare Advantage Plans
If you’re already a member of a Humana Medicare Advantage plan, you can make changes to your plan during two key periods:
- Annual Election Period (AEP): From October 15 to December 7, 2024.
- Medicare Advantage Open Enrollment Period (OEP): From January 1 to March 31, 2025.
During these periods, existing members can review and compare different Medicare Advantage plans, adjusting their coverage as needed.
To change your plan:
- Review and compare the options, focusing on benefits, costs, and network coverage.
- Choose a new plan and switch by contacting Humana online, by phone, or in person during AEP or OEP.
- Note that the availability of plans and benefits may vary by location.
Understanding Coverage Variations in Rural and Urban Areas
Enrollment for Retiring Members
If you’re retiring, it’s important to enroll in a Humana Medicare Advantage plan within the first three months of your Medicare eligibility for timely coverage. Retiring members who are at least 65 years old and enrolled in Medicare Parts A and B can sign up for a new plan during the fall 2024 annual enrollment period, starting October 23, for coverage effective January 1, 2025.
For retiring members to enroll:
- Confirm your eligibility for Medicare.
- Research the available Humana plans in your area.
- Select the plan that best meets your needs.
- Enroll by contacting us during the fall 2024 annual enrollment period, either online, by phone, or in person. 1-833-641-4938
- Coordinate with any other insurance, like employer-sponsored retiree health benefits, for a smooth transition to your new Medicare Advantage plan.
Once you’ve chosen a plan, you can enroll during the AEP by reaching out to Humana through their online platform, over the phone, or in person.
After enrolling, new members should:
- Choose a primary care physician (PCP) within Humana’s network.
- Coordinate with any other insurance coverage they have, like employer-sponsored retiree health benefits, to ensure a smooth transition to their new Medicare Advantage plan.
Summary
Humana Medicare Advantage Plans by State
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.