To get started with Humana, you can request a quote online. Just enter some basic information, and choose one of the plan options available in your area. If you’d like, you can also browse for plans by state
Humana’s provider finder lets you easily search for doctors, dentists, hospitals, vision providers and pharmacies in our network. For the best results, you can search with your member ID to find providers in your plan.
Yes. You will need your Humana member ID number (see your Humana member ID card or invoice from Humana). You may also use your Social Security number if you provided it when you chose your plan.
To pay your bill:
Once you've entered your ZIP code and viewed your available plans on the "My Available Plans" page, you can simply click the "Enroll" button for the plan of your choice. You will then continue to enrollment. To enroll online, you'll need information from your Medicare card or your letter from the Social Security Administration or Railroad Retirement Board, so keep those handy. If you need assistance you can always call us at the number either on the top or bottom of our Website.
A Medicare Supplement insurance plan helps cover the costs that are left unpaid after Medicare Parts A and B pay their portion of your healthcare expenses. Unlike a Medicare Advantage plan, which is an alternative to your Medicare Parts A and B benefits, a Medicare Supplement plan is purchased in addition to your Medicare Parts A and B benefits.
Medicare Supplement policies are standardized into 10 plans - labeled "A" through "N", each with its own set of benefits. Plan A covers the most basic benefits. These basic benefits are also covered in each of the remaining Medicare Supplement plans - B through N. Plans B through N provide additional coverage beyond the basics.
Medicare Supplement policies are sold by private insurance companies. While the costs of these policies may vary, individual insurance companies must provide the same standardized benefits. Some companies may offer innovative benefits. To purchase a policy, in general you must be enrolled in Medicare Part A and Part B. In addition to paying the monthly Medicare Part B premium to Medicare, you will have to pay a premium to the insurance company providing your coverage.
In most cases, Medicare is a federal health insurance program for people 65 years old or over and for certain disabled people under 65 years of age. You are automatically enrolled in Medicare hospital insurance (Part A) when you apply for Social Security benefits – usually upon reaching 65 years of age. Part A covers inpatient care in a hospital or a limited stay in a skilled nursing facility. Part B covers physician and outpatient hospital services. The premium you pay for Part B is deducted from your Social Security benefits.
Medicare pays for many healthcare services and supplies, but it doesn't cover all of your healthcare costs. For example, you pay a deductible for each hospital stay and coinsurance anytime you use the services of a physician or surgeon. Also, drug coverage is limited. Because Medicare rarely pays the full cost of covered services, you may want to consider a Medicare Advantage or Medicare Supplement insurance plan.
Medicare contracts with insurance companies, including Humana, to offer prescription drug plans (PDPs). If you're considering a PDP, please keep the following in mind:
Optional plan. A PDP is an option - not a requirement. However, if you don't join a PDP when you become eligible, you may have to pay a higher premium if you join later.
Monthly premium. PDPs have a monthly premium in addition to any Medicare premium you already pay. However, some Medicare Advantage plans, including some of Humana's, have prescription drug coverage included as a benefit without an additional monthly premium.
If you're already enrolled in a Medicare Advantage plan, you may be covered. If you're enrolled in a Medicare Advantage plan, such as an HMO through a private insurance company, you may already
have prescription drug coverage. If that's the case, choosing a separate PDP isn't necessary - in fact, getting the PDP would cancel your Medicare Advantage coverage.
Benefits and costs. PDP plan benefits vary, but companies offering these plans are required to offer certain minimum benefits. Humana's PDP benefits are equal to, or better than, these required minimums.
Humana offers a range of Medicare Advantage plans to fit most every need: Medicare Advantage Health Maintenance Organization (HMO), Medicare Advantage Preferred Provider Organization (PPO), and Medicare Advantage Private Fee-for-Service (PFFS).
Medicare Advantage plan (HMO) is an alternative to Original Medicare and features specific lists of doctors, hospitals, and other providers you must use to have your healthcare covered. HMOs often provide additional benefits not found in Original Medicare, including coverage for deductibles, a drug benefit plan, and wellness or fitness programs. A Medicare Advantage HMO is an alternative to Original Medicare coverage. However, you can return to Original Medicare down the road if you wish. How Humana's HMO plans work.
With a Medicare Advantage plan (PPO), you can see any doctor you want. However, if you use a doctor who is in the network, you get a better benefit and lower co-payment than if you visit a non-network doctor. Plus, referrals aren't needed, and you don't have to see a primary care physician first. Besides prescription drug benefits, Medicare Advantage PPOs may offer other benefits like dental, vision, and nutritional supplements. A Medicare Advantage PPO is an alternative to Original Medicare coverage. However, you can return to Original Medicare down the road if you wish. How Humana's PPO plans work.
With a Medicare Advantage plan (PFFS), you have the freedom to select any Medicare doctor, hospital, or healthcare provider who accepts Humana's payment terms and conditions, without worrying about referrals or seeing only doctors on a list. PFFS plans feature limits on out-of-pocket expenses, coverage for emergency and urgent care, and in most cases, a prescription drug benefit. A PFFS plan is an alternative to Original Medicare coverage. However, you can return to Original Medicare down the road if you wish. How Humana's PFFS plans work.
Most Humana Medicare Advantage plans include prescription coverage. In some areas of the United States, Humana offers Medicare Advantage plans that do not include prescription drug plans. To find out which options are available to you, enter your ZIP code. You'll see a chart that shows the plans you can choose from, with an overview of their benefits and costs.
You'll need your Medicare card or your letter from the Social Security Administration or Railroad Retirement Board. Also, depending on the payment method you choose, you may want to have your bank account or credit card number handy
At the end of your enrollment, the final confirmation page gives you the opportunity to enroll in MyHumana, your secure website on Humana.com that provides all the information you need to know throughout the year about your benefits. Your registration is activated when you get your member ID card, which has a Member ID number.
To register for MyHumana later, go to Humana.com and select "register" in the sign-in box. You'll need the following information:
If you're currently a Humana plan member and are registered for MyHumana, you can sign in to MyHumana and look for a link for the enrollment center.
If you're not registered to use MyHumana, go to Humana.com and choose “Insurance Through Employer,” then look for the link to the Enrollment Center. You can access the Enrollment Center from Humana's website by using your Social Security number, date of birth, and ZIP code. Your employer may, in some cases, provide a link from your employer's own site or a third-party administrator's site.
Go to the medical plan page and click on the Detailed Comparison — you can choose up to three plans, click on the Detailed Comparison button to see a more detailed comparison of those three plans. The benefit levels for a plan with variable hospital copayment options - for example, "$100/$250" — appear under the column marked "Hospital Benefit."
If you need to contact us about a member, please have the member's ID number or Social Security number handy. You can find the ID number on the member's Humana ID card. For privacy reasons, other authentication may be required.
Medicare Advantage plans aren't the same as Medicare Supplements — also referred to as Medigap plans. Like Medicare Advantage plans, private health insurance companies sell Medicare supplement plans. Keep in mind that Medicare Supplement plans aren't available at the group level. However, secondary coverage is available to groups.
For more details about secondary coverage, including Retiree Wrap plans, see our Group Medicare product information for [Small Business]( u-1.1.8B) or [Large Group](u-2.1.8B).
To view eligibility information for employees with active coverage, sign in to the Employer Self-Service Center on Humana.com. You can view an employee's member number, effective date, plan selected, level of coverage, and other information. This information can be printed for verification of eligibility before the employee receives the ID card.
Financial Accounting Standards Board (FASB) statement 106 requires private-sector companies to accrue the cost of Other Post Employment Benefits (OPEB) like retiree medical coverage and to record a liability for unfunded retiree medical costs explicitly on their financial statements. Public-sector entities are subject to similar guidelines set forth by the Governmental Accounting Standards Board (GASB).
To respond to these standards, some companies and organizations have eliminated retiree benefits altogether. But this drastic change may not be necessary. Organizations can address FASB and GASB by switching to a Group Medicare Advantage plan, which may be less expensive. Also, they can modify benefits by adding age and service requirements, or migrating to a defined contribution health benefit.
Also, one or more of these financial strategies may help your clients address FASB and GASB requirements:
One-time charge — Taking a one-time charge against earnings on their financial statements
Amortizing — Amortizing the cost of the transition to the new accounting statement over time
Prefunding — Prefunding the liability with tax-advantaged accounts such as IRC Sec. 501(c)(9) — also known as Voluntary Employees' Beneficiary Associations (VEBA) trusts and Section 115 trusts
Please note that this is not legal or financial advice.
Humana's Pharmacy and Therapeutics (P&T) Committee reviews and updates the Drug List. Humana corporate pharmacy management implements Drug List changes to promote safety and help control costs. We also update the Drug List because:
Medications available may change
New medications are introduced to the market
New generics become available as brand-name medications lose their patents
Medications may gain new indications
Medications may have changes in dosing guidelines or prescribing recommendations
The price of medications may change
Humana notifies members of Drug List changes if:
Their current medication has moved to a higher level
A clinical or safety edit has been amended or put into place