HumanaChoice Medicare Advantage | PPO Plans

With our Medicare Advantage PPO plans, you’ll have the freedom to visit any Medicare-approved doctor—in or out of our provider network—who accepts Humana’s plan terms, but you’ll generally pay a lower cost share when you use in-network providers.

Why choose a PPO plan? Let’s look at the details.

If the freedom to visit any provider who accepts Medicare—in or out of our network—while still enjoying affordable and predictable copays is your priority, a PPO plan might be the right choice for you.

More than 40% of current Medicare members opt for Medicare Advantage plan¹ so it’s worth a look to see if your doctors are already in our network before deciding between an HMO and a PPO plan.

Finally, every Medicare Advantage plan is required by law to provide at least all the benefits of Original Medicare Part A and Part B, so read on to learn more about the added benefits you may enjoy with a Humana Medicare Advantage PPO plan.

Explore plans

Humana PPO plans

Humana PPO plans

Curious about our PPO plan costs?

Our PPO plans offer predictable copayments and coinsurance. And our transparent costs make it easier for you to understand and manage your healthcare costs. Many of our plans offer:

Affordable premiums - PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out-of-network without a referral, but some $0 premium Humana PPO plans are available
Affordable deductibles - and using contracted providers from our broad networks may help you save even more
Potential Part B premium savings - some plans offer rebates on the $164.90 (in 2023) Part B premium
Over-the-counter (OTC) allowance - many plans include an allowance that lets you order general healthcare items—like pain relievers, first aid items, even safety grab bars for your shower—through our OTC catalog at no additional cost to you
Security of an annual maximum out-of-pocket cost - for 2022, our PPO’s average maximum out-of-pocket limit for in-network care was $5,988. Once you’ve spent the limit, you’ll pay nothing for services covered by your plan until the end of your plan year

Curious about our PPO plan coverage?

If the security of a broad range of benefits is your highest priority, all of our PPO plans offer all the benefits of Original Medicare—and then some. Plans may include:

Coverage for prescription drugs - most of Humana’s PPO plans include coverage for prescription drugs
Broad network of providers - with a PPO, you have the flexibility to visit providers outside of your network, but visiting an out-of-network provider will usually cost you more
Dental benefits (not offered by Original Medicare) - unlike Original Medicare, many of our plans include coverage for routine dental care such as cleanings, exams, and X-rays
Vision benefits (not offered by Original Medicare) - many of our plans also include coverage for eye exams, lenses and frames
Hearing benefits (not offered by Original Medicare) - many plans include coverage for hearing aid devices, audiologist visits and ongoing fittings and exams
PPO plans do not require referrals for any services

Call or request a call

Licensed Humana sales agents are ready to help guide you through the process of choosing the coverage that’s best for you.

Call 1-866-903-7431 (TTY: 711), Monday – Friday, 8 a.m. – 8 p.m. or

Source

“Medicare Advantage in 2021: Enrollment Update and Key Trends,” Kaiser Family Foundation, last accessed June 6, 2022, https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2021-enrollment-update-and-key-trends/