Evaluate Your Options

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1 in 3 People eligible for Medicare choose a Medicare Advantage plan2, and the reason is clear. You can enjoy the security that comes with Original Medicare, while filling the gaps in your coverage with added benefits—all for an affordable price. 

Not everyone wants the same things from their Medicare Advantage plan. For example, a Medicare Advantage Prescription Drug plan includes Medicare Part D prescription drug coverage and a Medicare Advantage plan does not. Humana offers a variety of plan types and coverage options to fit your needs.


Healthcare isn’t one size fits all. And neither are our plans.

View our full suite of plans so you can tailor your coverage to your unique needs.

Humana Choice

PPO Plans

A plan that offers the most freedom when choosing doctors, hospitals and specialists

Pick any Medicare-approved doctor, hospital or specialist without a referral—even when you travel.

How it works

Humana Gold Plus

HMO Plans

A plan with lower deductibles and copays

Maximize your benefits while minimizing your costs—pay as low as $0 premiums and lower out of pocket costs than other plan options.

How it works

Humana Gold Plus

D-SNP Plans

A plan for people who have both Medicare and Medicaid

Combine all the benefits of Medicare and Medicaid, and include additional coverage and extra benefits all in one easy to manage plan.

How it works

Humana Honor Plans

A Medicare Advantage plan for everyone, but designed with Veterans in mind to complement VA medical benefits*

Get the best of both worlds—continue to use your basic VA medical benefits3 while adding all the perks that come with a Medicare Advantage plan. These plans are available to anyone and do not include Prescription Drug Coverage

How it works

Humana Walmart Value Rx Plan

PDP

A standalone plan for affordable prescription drugs

Save on monthly costs and copays when paying for your prescriptions

How it works

What’s covered on all Humana plans?

  • 1. Hospital Stays

  • 2. Doctor and specialist visits – including telehealth

  • 3. Preventive care and vaccines

  • 4. Lab work, X-rays, screenings, and imaging

  • 5. Outpatient care and procedures

  • 6. Emergency transportation

  • 7. Medicare supplies and equipment


Which to choose: HMO vs. PPO?

We break down the differences between the two most frequently selected plans.

HMO

PPO

HMO

Health Maintenance Organization

These plans are typically less expensive than PPO plans. Many Humana HMO plans have low or $0 premiums and deductibles. However, there are some additional requirements for care that allow these plans to cost less

  • - Their coverage only extends to in-network doctors, hospitals, specialists, and clinics – with few exceptions. If you choose to get treatment from an out-of-network provider, you will be responsible for 100% of the cost. However, Humana has a large network, so check with a licensed Humana sales agent to see if your preferred healthcare providers are in-network.
  • - Most HMO plans require you to select a primary care physician. This doctor oversees your medical needs and refers you to specialists, if necessary. Some HMO plans require you to have a referral from your primary care physician before treatment from a specialist will be covered. In some areas, Humana offers HMO plans that waive both requirements completely.

PPO

Preferred Provider Organization

PPO plans typically cost more than HMOs but they come with more flexibility. Most PPO plans require you to pay a monthly premium and have a higher deductible for medical care.

  • - Unlike some HMOs, you generally are not required to select a primary care physician and you won’t need a referral for specialist visits.
  • - In most cases, you’ll be covered by both in-network and out-of-network doctors and hospitals. However, your out-of-pocket costs will be lower if you get care from in-network providers.
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Find your perfect match

Answer these questions to help us find the plan that’s right for you.

Pro tip!

Resist the urge to shop based on premium alone. Consider the total out of pocket costs and extra benefits and services you’ll need. Plus make sure you confirm your doctors and specialists will accept the plan and price the cost of your medications. Getting into the right plan can lead to real savings over time.

Find your perfect match

Question 1/6

Which base coverage(s) are you starting with? Select all existing insurance plans you have access to.

  • Medicare Part A

  • Medicare Part B

  • Medicaid

  • VA benefits for military veterans

  • A group insurance or retirement policy

Question 2/6

What additional coverage will you need to purchase through a private insurance plan? Select all coverages you need that you’re currently missing.

  • Prescription drug coverage to help cover the cost of your medications

  • Basic dental coverage for things like exams, cleanings, filings, and x-rays / Comprehensive dental for things like root canals, extractions, dentures, implants, and other procedures

  • Vision exams, procedures, and corrective eye-wear

  • Hearing aids, exams, and treatments

Question 3/6

What matters more to you? Choose the plan type that better fits your needs

  • A plan that offers more flexibility choosing doctors, hospitals and specialists (PPO) / A plan that offers lower prices (HMO)

Question 4/6

What benefits do you expect to use most? Click on the benefits you’d expect to use most. Select all that apply.

  • A maximum out-of-pocket limit (Available on all plans)

  • Zero Dollar Premium Plans (Wide availability)

  • Alerts to lower cost medications through maximize Your Benefit® Rx (Available on most plans)

  • A free gym membership through the SilverSneakers® fitness program (Available on most plans)

Question 5/6

What benefits do you expect to use most? Click on the benefits you’d expect to use most. Select all that apply.

  • Rewards for completing healthy activities through Go365™ (Available on most plans)

  • Access to Humana’s mail-order pharmacy (Available on most plans)

  • Coverage for virtual telemedicine doctor visits (Available on most plans)

  • Worldwide Emergency Coverage (Available on many plans)

Question 6/6

What benefits do you expect to use most? Click on the benefits you’d expect to use most. Select all that apply.

  • Free rides to doctor appointments (Available on some plans)

  • Meal delivery after an inpatient overnighthospital stay (Available on some plans)

  • An allowance to spend like cash for over-the-counter medications (Available on some plans)

  • A credit to help pay a portion of your Part B premium (Available on some plans)

The coverage and benefits you selected

Coverage and Benefits Original Medicare
Parts A
Original Medicare
Parts B
All-in-one Medicare
Advantage Prescription
Drug Plan Part C
Stand-alone
Prescription
Drug Plan Part D
Standard coverage

Part A: Hospital Coverage
Includes hospital expenses, skilled nursing, personal assistance and hospice care.

Part B: Doctor & Outpatient Coverage
Includes doctor visits, outpatient care, and preventive services

Your dual eligibility selection

Additional Coverage

Prescription drug coverage

Coverage for dental care and procedures

Coverage for vision exams, corrective eye-wear, and procedures

Doctor and Hospital Network

Your Preferred Network Type

Predictable Costs and Potential Savings

Maximum out-of-pocket limit

Zero Dollar Premium Plans

Maximize Your Benefit® Rx 9

A free gym membership through the SilverSneakers® fitness program

Additional Benefits and Services

Go365 Humana’s personalized wellness and rewards program

Access to Humana’s mail-order pharmacy

Telemedicine – virtual doctor visits from your phone or computer

Worldwide Emergency Coverage

Annual Wellness Checkup Incentive and Rewards

Added Convenience

Virtually no claims to file

Swipe to compare more plans

Original Medicare
Parts A
Original Medicare
Parts B
Stand-alone
Prescription
Drug Plan Part D
All-in-one Medicare
Advantage
PrescriptionDrug
Plan Part C

Part A: Hospital Coverage
Includes hospital expenses, skilled nursing, personal assistance and hospice care.

Part B: Doctor & Outpatient Coverage
Includes doctor visits, outpatient care, and preventive services

Your dual eligibility selection

VA benefits for military veterans

A group insurance or retirement policy

Prescription drug coverage

Coverage for dental care and procedures

Coverage for vision exams, corrective eye-wear, and procedures

Hearing aids, exams, and treatments

Your Preferred Network Type

Maximum out-of-pocket limit

Zero Dollar Premium Plans

Maximize Your Benefit® Rx 9

A free gym membership through the SilverSneakers® fitness program

Go365 Humana’s personalized wellness and rewards program

Access to Humana’s mail-order pharmacy

Telemedicine – virtual doctor visits from your phone or computer

Worldwide Emergency Coverage

Annual Wellness Checkup Incentive and Rewards

Free rides to doctor appointments (Available on some plans)

Meal delivery after an inpatient overnighthospital stay (Available on some plans)

An allowance to spend like cash for over-the-counter medications (Available on some plans)

A credit to help pay a portion of your Part B premium (Available on some plans)

Virtually no claims to file

  • Added convenience

    All Humana Medicare Advantage Plans are designed with your convenience in mind

  • All-in-one plans

    Unlike Original Medicare, Medicare Advantage plans combine all your coverage in one, so you’ll only have to manage a single plan.

  • Virtually no claims to file

    Humana pays your doctors and hospitals directly.

Congrats! You’ve completed Step 5!

Next Step

Step 5: Make an Educated Decision

Let’s find your plan, however you prefer

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Guidance to do it yourself

Compare plans and enroll online. We'll guide you along the way

Shop Plans
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One to one support

Enroll with a licensed sales agent right over the phone

TTY:771

5am – 8pm, daily

Local experts you can trust

Meet with your local Humana MarketPoint® licensed sales agent.

Schedule an Appointment

Virtually or in person

1 https://www.medicare.gov  

2 "Fact Sheet 2020 Medicare Advantage and Part D Prescription Drug Program Landscape." 2020 Medicare Advantage and Part D Prescription Drug Program Landscape | CMS, www.cms.gov/newsroom/fact-sheets/2020-medicare-advantage-and-part-d-prescription-drug-program-landscape Based on projected enrollment, 36.7% of Medicare beneficiaries will be enrolled in Medicare Advantage in 2020.”

3 These basic VA Medical Benefits do not include Tricare for Life/ChampVA.