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