Humana Medicare Advantage Plans 2024

Are you considering a Medicare Advantage plan for 2024? Humana offers a diverse range of options to cater to your unique needs, preferences, and budget.

With plans such as Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-for-Service (PFFS) available, you can find the perfect plan to help you maintain your health and wellness.

In this article, we will guide you through the various aspects of Humana Medicare Advantage plans 2024, including their benefits, costs, enrollment process, and the support resources available for beneficiaries.

 

Key Takeaways

  • Humana may offer a wide selection of Medicare Advantage plans in 2024, including HMO, PPO, and PFFS options with comprehensive benefits.

 

  • Plans vary in cost-sharing structures across plans.

 

  • Customer support is available to assist beneficiaries in navigating their plan options based on individual needs.

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Humana Medicare Advantage Plans 2024

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Comparing Top Medicare Advantage Providers in 2024

In 2024, Humana continues to provide a wide array of Medicare Advantage plans, including HMO, PPO, and PFFS options, to cater to the diverse needs and preferences of Medicare beneficiaries.

With an estimated 3,959 Medicare Advantage plans available for individual enrollment, Humana serves Medicare beneficiaries across the nation. These plans are likely to offer a comprehensive range of benefits beyond Original Medicare, which may include dental, vision, and hearing aid benefits.

Humana’s commitment to customer experience quality has earned them the No. 1 ranking among health insurers for three consecutive years. As a nationally recognized Medicare Advantage insurance provider, Humana focuses on:

 

  • Retiree healthcare
  • Whole-person health
  • Serving individuals of all backgrounds, including those with disabilities
  • Serving individuals regardless of sex

Comparing Humana’s 2024 Medicare Advantage Offerings

 

Humana’s 2024 Medicare Advantage plans come in three main types:

  1. HMO: This plan type features a more stringent network compared to PPO and PFFS plans, which provide more flexibility in choosing healthcare providers.
  2. PPO: This plan type offers more flexibility in choosing healthcare providers compared to HMO plans.
  3. PFFS: This plan type also provides more flexibility in choosing healthcare providers compared to HMO plans.
  4. SNPs: Special Needs Plans – Unique plans for those who qualify with certain conditions

 

Each plan type offers unique characteristics in terms of network restrictions, cost-sharing, and benefits.

We will now explore the unique features of each plan type and their impact on your healthcare experience in the next few sections.

4 types of Advantage plans
Medicare Advantage star ratings

Humana Medicare HMOs

HMO plans have the following characteristics:

  • Require beneficiaries to use in-network providers
  • Require referrals for specialist visits
  • More affordable but less flexible
  • Approximately 56% of Medicare Advantage plans available in 2024 are HMOs
  • Offer the same copay structure for in-network services

 

One notable drawback of HMO plans is that their network restrictions may pose challenges for beneficiaries in rural areas to access healthcare providers.

Nevertheless, Humana’s 2024 HMO plans boast benefits such as extensive dental, vision, and hearing coverage, and enhanced dental benefits.

To find in-network providers for Humana’s 2024 HMO plans, you can use their online searchable directory. Or just call us at 1-833-641-4938 (TTY 711), Mon-Fri 8 am-9 pm EST for personalized help from a licensed, knowledgeable insurance agent.

Medicare Advantage star ratings

Humana Medicare PPO Plans

PPO plans typically provide more flexibility than HMO plans, allowing beneficiaries to see out-of-network providers at a higher cost.

The cost-sharing structure of Humana’s PPO Medicare Advantage plans may include copayments for services and prescription drugs, with the exact amounts varying depending on the plan and services received.

When comparing Medicare Advantage PPO options, it’s essential to consider the differences in flexibility and cost-sharing.

Medicare Advantage star ratings

Humana Medicare PFFS Plans

PFFS plans offer the most flexibility among the three plan types, typically allowing beneficiaries to:

  • See any Medicare-approved provider that accepts the plan’s terms and conditions
  • Determine the amount they will pay providers and the amount beneficiaries will need to pay for services
  • Incorporate prescription drug coverage and emergency coverage both in and out of the U.S.

To access healthcare providers under a PFFS plan, beneficiaries can visit any Medicare-approved doctor who accepts Humana’s PFFS terms of service and conditions of payment, as well as Medicare.

Despite this flexibility being beneficial, you must ensure your chosen healthcare provider accepts the terms and conditions of the PFFS plan before receiving services.

Medicare Advantage star ratings

Humana Medicare Special Needs Plans 

A Special Needs Plan (SNP) is a unique type of Medicare Advantage plan that bundles together all the advantages of Original Medicare (Parts A and B) along with the possibility of prescription drug coverage (Part D). These plans are specifically designed for individuals who have an additional qualifying condition or meet the criteria for both Medicare and Medicaid.

Varieties of Special Needs Plans

  1. Chronic Condition Special Needs Plans (C-SNPs) are tailored to provide specialized care for individuals dealing with chronic health issues such as diabetes, cardiovascular disorders, chronic heart failure, chronic lung disorders, and other qualifying conditions.

 

2. Dual-Eligible Special Needs Plans (D-SNPs) are designed for individuals who are eligible for both Medicare and Medicaid. With a D-SNP, you may consolidate all your Medicare and Medicaid benefits into a single, user-friendly plan for easier management.

Premiums and Cost-Sharing: What to Expect in 2024

In 2024, a majority of Humana’s Medicare Advantage plans will have no additional monthly premium, making them an affordable option for many beneficiaries.

It is estimated that 99% of beneficiaries will have potential access to a Medicare Advantage plan with prescription drug coverage (MA-PD) and no additional monthly premium in 2024.

Additional Benefits Provided by Humana

Some of Humana’s Medicare Advantage plans may offer extra benefits that enhance the overall value of the plans. These benefits may include:

  • Dental coverage
  • Vision coverage
  • Hearing coverage

 

 

Additional benefits

 

The extent of dental coverage may differ among plans, with most subject to an annual limit on the amount covered by the plan.

These additional benefits can significantly improve the healthcare experience for served Medicare beneficiaries and contribute to their overall well-being.

Enrollment Process and Key Dates for 2024

The enrollment process for Humana’s 2024 Medicare Advantage plans depends on the individual’s situation, with specific deadlines and requirements for new, existing, and retiring members.

In the subsequent sections, we will detail the enrollment process and crucial dates for each category of members to facilitate a seamless transition to your chosen Medicare Advantage plan.

 

Medicare

 


New Members

New members can enroll in a Humana Medicare Advantage plan during the Annual Election Period (AEP) from October 15 to December 7, 2023, for coverage starting January 1, 2024. To enroll in a plan, new members should follow these steps:

  1. Confirm eligibility, which typically requires being at least 65 years old or having received Social Security Disability Insurance (SSDI) benefits for 24 months, and ensure that their national origin, age, and disability status do not affect their enrollment.
  2. Research the available Medicare Advantage plans in their area.
  3. Compare benefits, costs, and network coverage.
  4. Choose the right plan for their needs.

 

Once a suitable plan has been selected, new members can enroll during the AEP by contacting CompareMedicareAdvantagePlans.org at 1-833-641-4938 (TTY 711), Mon-Fri 8 am-9 pm EST.

After enrollment, new members should select a primary care physician (PCP) from Humana’s network and coordinate any other insurance coverage they may have, such as employer-sponsored retiree health benefits, to ensure a seamless transition to their new Medicare Advantage plan.

 


Existing Members

Existing Humana Medicare Advantage plan members can make changes to their plan during the Annual Election Period (AEP) from October 15 to December 7, 2023, or the Medicare Advantage Open Enrollment Period (OEP) from January 1 to March 31, 2024. During these periods, existing members can compare different Medicare Advantage plans and make changes to their coverage if desired.

To modify your existing plan, follow these steps:

  1. Review the available options and compare their benefits, costs, and network coverage.
  2. Once you have chosen a new plan, contact one of our licensed insurance agents.
  3. Keep in mind that the availability of specific plans and benefits may vary depending on your location.

 


Retiring Members

Retiring medicare members should enroll in a Humana Medicare Advantage plan within the initial three months of their Medicare eligibility for timely coverage. Retiring members who are at least 65 years old and enrolled in Medicare Parts A and B can enroll in a new plan during the fall 2023 annual enrollment period, beginning October 23, for coverage effective January 1, 2024.

 

Navigating Rural and Urban Coverage Differences

Humana’s Medicare Advantage plans typically offer varying coverage options in rural and urban areas, with more plan choices and provider networks available in urban locations.

Coverage distinctions between rural and urban areas may include disparities in network providers, access to specialized care, and availability of healthcare facilities. Reviewing the details of the plan and coverage options offered by Humana for rural and urban areas is necessary to grasp the specific coverage differences in your region.

In rural areas, Humana likely offers Medicare Advantage plans, but beneficiaries may have fewer options to choose from compared to urban areas.

Thorough research of available plans in your area, considering aspects like network providers, access to specialized care, and healthcare facilities, is vital when selecting a plan that aligns with your needs and geographical location. Navigating the Medicare Advantage marketplace can be challenging, so it’s essential to weigh all your options carefully.

 

Customer Support and Resources

Humana provides customer support and resources, including in-home support services, to help beneficiaries navigate their Medicare Advantage plan options.

This support includes phone assistance, online resources, and member support services, ensuring beneficiaries can access the information and help they need.

In addition to customer support, Humana offers the following online tools and educational materials for beneficiaries to make informed decisions about their healthcare coverage:

  • A dedicated webpage on the fundamentals of Medicare
  • A member portal with tools and documents
  • Specific materials related to Medicare Advantage plans for healthcare providers

 

Leveraging these resources can help beneficiaries comprehend their coverage options, including Medicaid services, and make an optimal choice for their healthcare requirements.

You can also consult with one of our licensed insurance agents to help you find a plan that meets your specific medication needs. 1-833-641-4938 (TTY 711), Mon-Fri 8 am-9 pm EST.

Summary

In conclusion, Humana’s Medicare Advantage plans for 2024 offer a diverse range of options to cater to the unique needs, preferences, and budgets of Medicare beneficiaries.

With HMO, PPO, PFFS, and SNP plans available, beneficiaries can find a plan that provides the right balance of cost and flexibility. Members may receive additional benefits such as dental, vision, and hearing.

By understanding the enrollment process, navigating rural and urban coverage differences, and utilizing the customer support and resources provided by Humana, beneficiaries can make informed decisions and secure the healthcare coverage that best suits their needs.

 

Frequently Asked Questions

 

What’s new for Humana in 2024?

Humana is offering a range of new benefits for its Medicare Advantage plans in 2024. Some plans may include dental, vision, and hearing coverage, and a Medicare Part B giveback.

Customers typically have access to special training for Humana Customer Care specialists who have collaborated with USAA to better serve their needs.

 

Is Medicare premiums going down in 2024?

The standard Medicare Part B premium does not decrease in 2024.

 

What is the biggest advantage of Medicare Advantage?

The biggest advantage of Medicare Advantage is that plans typically have lower premiums while providing comprehensive coverage.

 

What are the main types of Humana Medicare Advantage plans available in 2024?

Humana will offer four main types of Medicare Advantage plans in 2024: HMO, PPO, PFFS, and SNP.

 

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Russell Noga
( Medicare Expert )

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.