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Humana Medicare Insurance Plans

Based in Louisville, Kentucky, Humana is one of the largest insurance carriers in the United States. The company was originally founded in 1961 as a chain of nursing homes. Eleven years later, in 1972, the owners sold their nursing homes and began buying hospitals. After numerous names changes, the company became Humana in 1974. It wasn't until the 1980s, though, that Humana created its first health insurance plan.1

In 2006, Humana became a driving force in marketing Medicare Advantage (MA) and prescription drug plans to Medicare beneficiaries. Today, Humana offers a wide range of Medicare Advantage, Part D, and Medicare Supplement Insurance (Medigap) plans.

Humana Medicare Advantage Plans

Humana sells a variety of Medicare Advantage plans. As with all MA plans, benefits and costs vary widely according to the plan you choose. However, all MA plans offer at least the same coverage as you get with Original Medicare. Options include:

  • HMO plans: Health maintenance organization plans, better known as HMOs, are typically the most cost-effective option. Members must use providers within the plan's network and typically need a referral to see a specialist. Most of Humana's HMO plans include prescription drug coverage. And some areas offer $0 premium plans.
  • PPO plans: Preferred provider organization plans (PPOs) typically offer a bit more freedom than HMOs. They have a provider network, but members are usually able to see providers outside the network for a higher out-of-pocket cost. Also, you don't usually need a referral to visit a specialist.
  • PFFS plans: Private-fee-for-service, or PFFS plans, let you visit any Medicare-approved provider who accepts your plan.
  • SNPs: Special Needs Plans are available for beneficiaries who meet certain qualifications, such as having a chronic condition or being eligible for both Medicare and Medicaid (also known as dual eligibility).

Many Humana plans offer additional benefits. The most common is prescription drug coverage. But plans may also include coverage for SilverSneakers and routine dental, vision, and hearing, none of which you get with Original Medicare.

Please note that you must continue paying your Medicare Part B premium, even if your MA plan has a monthly premium.

Humana Medicare Prescription Drug Plans

Humana offers beneficiaries three main Part D prescription drug plans for 2020:

  • Humana Walmart Value Rx Plan: Available in 47 states plus Washington, D.C. The pharmacy network includes access to preferred cost-sharing benefits at Walmart, Walmart Neighborhood Markets, and Sam's Club retail pharmacies, and from the Humana pharmacy® mail delivery.
  • Humana Premier Rx Plan: This plan has the broadest coverage Humana offers in terms of drug formulary and in-network pharmacies.
  • Humana Basic Rx Plan: Humana's most cost-conscious plan, this plan offers affordable copays as low as $0 to $1, once you meet your deductible (which in 2021 is $445), for most covered generic drugs filled at network pharmacies.

When choosing a Medicare Part D plan, always look at the formulary to ensure it includes your prescriptions. Also, consider all out-of-pocket costs, not just the monthly premium. Even a $0 premium can be too high if the formulary doesn't cover your medications or your annual deductible is too high.

Find a Humana Medicare Plan

Choosing the right Humana Medicare plan to meet your unique needs and budget can be extremely confusing. Our Find a Plan tool is easy to use and completely free. Just enter your location information and coverage start date. Then, hit Continue to start reviewing Medicare plans in your area.

Humana, Inc.
500 W Main Street
Louisville, KY 40202
Phone: 1-800-457-4708

1https://www.bizjournals.com/louisville/news/2020/02/20/major-humana-investor-sheds-half-of-its-holdings.html

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The MedicareUSA website is operated by HealthPlanOne, LLC a licensed health insurance agency based in Connecticut; in California d/b/a HPOne Insurance Agency, license #OF30784. HealthPlanOne, is a licensed and certified representative of Medicare Advantage HMO, PPO and PPFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.
For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
Medicare supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.
The Centers for Medicare and Medicaid Services (CMS) does not review or approve Medicare Supplement plan information.
Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program Enrollment in any Humana plan depends on contract renewal.
Other pharmacies are available in the Humana network. Provider may also contract with other Plan Sponsors.
The Humana Premier Rx Plan (PDP) and the Humana Walmart Value Rx Plan (PDP) pharmacy network includes limited lower-cost, preferred pharmacies in urban areas of AL, CA, CT, DC, DE, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NY, OH, OR, PA, PR, RI, SC, SD, TN, VA, VT, WA, WI, WV, WY; suburban areas of AZ, CA, CT, DC, DE, HI, IA, IL, IN, MA, MD, ME, MI, MN, MO, MT, ND, NH, NE, NJ, NY, OH, OR, PA, PR, RI, SD, VT, WA, WV, WY; and rural areas of AK, IA, MN, MT, ND, NE, SD, VT, WY. There are an extremely limited number of preferred cost share pharmacies in urban areas in the following states: CT, DE, MA, MD, ME, MI, MN, MS, NC, ND, NY, OH, RI, SC, VT, WA; suburban areas of: MT and ND; and rural areas of: ND. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use.
For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call Customer Care at 1-800-281-6918 (TTY: 711) or consult the online pharmacy directory at Humana.com.
Out-of-network/non-contracted providers are under no obligation to treat Humana plan members, except in emergency situations. Please call Humana’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
It is important that we treat you fairly. Discrimination is against the law. Humana Inc. and its subsidiaries do not discriminate or exclude people because of their race, color, national origin, age, disability, sex, sexual orientation, gender, gender identity, ancestry, marital status or religion. Humana complies with all Federal and State Civil Rights laws.
To learn more about Humana's nondiscrimination policy, please click here.
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Last Updated 09/14/2020