Overview of Humana Medicare Advantage Plans

Most people know Humana for their care programs. These programs provide chronic as well as complex care services to more than 200,000 Humana members. The following is an overview of the different types of Humana Medicare Advantage plan and the benefits they offer.

Humana Private Insurance Company

With more than 52,000 employees and over 13 million customers in the United States, it is safe to call Humana one of the largest networks. This is evident in their different plan offers for Medicare. If you wish to buy a plan through Humana, there are several options to choose from. Your choice will depend on the type of plan that meets your medical needs, and where you live.

Types of Humana Medicare Advantage Plans

  1. Humana Gold Plus HMO Plans

This is a health maintenance organization (HMO) plan offered by Humana and sponsored by Medicare. It is affordable, provides fixed, clear costs, and provides prescription drug coverage that is sometimes better than what you’ll receive in standard Medicare plans. In addition to receiving annual screenings at no costs, you can also get emergency care anywhere in the world.


  • Very little monthly cost
  • Includes prescription drug coverage
  • Includes hospitalization costs
  • Discounts for vision and dental care
  • Fixed costs
  • Emergency coverage for travel outside of U.S.


  • A referral is needed to see other doctors
  • Selecting a primary care doctor is required
  • You’ll have to pay extra to see an out-of-network doctor


  1. HumanaChoice PPO Plans

This is a more flexible plan than HMOs and even PPOs that other health insurance providers offer. You can choose any hospital or doctor that accepts Medicare. There are also extra services included for Humana PPO plan members.  Go to https://www.medicareadvantage2019.org


  • Free to pick any doctor you want
  • Includes prescription drug coverage
  • Includes extra services
  • Fixed costs
  • Better options for financially stable individuals
  • Freedom to pick any doctor you want


Humana Medicare Advantage Plans 2019

  • PPO plans may have higher costs
  • Your Out-of-pocket costs increase when you visit out-of-network doctors


  1. Humana Gold Choice PFFS Plans

If more flexibility is what you want, then Humana gives you that option with the Gold Choice PFFS plan. With this plan, you can visit any doctor that accepts Humana. The PFFS plans offer great benefits to those with a doctor and know the doctor that can best take care of their medical needs


  • Visit any medical facility or doctor that accepts Humana
  • Free yearly physical exams
  • Hospitalization coverage
  • Emergency coverage
  • Prescription drug coverage


  • Higher costs
  • May pay extra for better prescription drugs
  • Dental and vision costs above exams may be extra

Medicare Supplement Plan N

There are 10 standardized Medigap plans available in the United States and almost all states have them. Medicare supplement Plan N is one of the more popular plans. This plan covers the excess costs that Medicare does not cover, including cost sharing costs that you might incur from hospitals and physician fees. Medicare supplement Plan N is also standardized like all the other plans. This means you will have the same Medicare supplement Plan N no matter which insurance company you decide upon or where you reside.

There are many benefits to Medicare supplement Plan N. Some are your Medicare Part A hospital stay coinsurance costs after Medicare benefits are used. Medicare Part A deductible and Medicare Part A hospice coinsurance or copayment and Medicare Part B deductible are covered. Your first three pints of blood you need for a medical procedure, a nursing care facility coinsurance and foreign health costs up to 80% are covered if needed.

Those who have Medicare supplement Plan N will have copayments in certain conditions. A copayment of $20 may be needed for specialists and up to $50 if you need to go to an emergency room and are not admitted into the hospital. Also to note, Medicare supplement Plan N will not pay for your Medicare Part B deductible or any Part B excess charges which means you will be responsible for those particular costs.

As specified before, Medicare supplement Plan N is the same everywhere and will cover the same benefits. The only difference will be in the costs of the premiums from different insurance companies and the area where you live.

These Medicare supplement plans are also known as Medigap plans. It is important to realize when you join a Medigap plan, to pay attention to the cost of the premiums and how an insurance agency rates their premiums.

These insurance agencies may have three ways to decide their premiums costs by age related medical issues, the age you are and community rated.

When you first enroll in a Medicare supplement plan, your age will be a factor in deciding the cost of the premiums. Medicare supplement plans charge the same premiums regardless to the age of the person applying for a Medicare supplement plan. Medicare supplement plans issue their premiums on the age you are when you join and if one was to wait until they were older, the costs of the premiums can increase greatly. It is wise to get a Medicare supplement plan when one first gets their Medicare Part A and Medicare Part B plans.