Call a licensed Humana sales agent
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Prepare for Enrollment
Review Cost and Coverage
Understand Coverage Gaps
Explore Medicare Advantage
Evaluate Your Options
Make an Educated Decision
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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
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 1/4
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 2/4
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
More comprenhensive dental for things like root canals, extractions, dentures, implants, and other procedures
Vision exams, procedures, and corrective eye-wear
Hearing coverage, hearing aids, exams, and treatments
Question 3/4
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)
<p>A plan that may offers lower prices but requires use of network providers (HMO)</p>
Question 4/4
What benefits do you expect to use most? Click on the benefits you’d expect to use most. Select all that apply.
<p>A maximum out-of-pocket limit</p>
<p>Zero Dollar Premium Plans</p>
Alerts to lower cost medications
<p>A gym membership through a fitness program</p>
Rewards for completing healthy activities
Access to Humana’s mail-order pharmacies
<p>Coverage for virtual telemedicine doctor visits</p>
<p>Worldwide Emergency Coverage</p>
<p>Rides to doctor appointments</p>
<p>Meal delivery after an inpatient overnighthospital stay</p>
<p>An allowance to spend like cash for over-the-counter medications</p>
The coverage and benefits you selected
Congrats! You’ve completed Step 1!
Next Step: Step 6: Make an Educated Decision
Let’s find your plan, however you prefer
Virtually or in person
Click the step you’d like to visit below
Click the step you’d like to visit below
Prepare for Enrollment
Review Cost and Coverage
Understand Coverage Gaps
Explore Medicare Advantage
Evaluate Your Options
Make an Educated Decision
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