Medicare basics

Different plan types offer different advantages

What is Medicare and how does it work?

Medicare is the largest health insurance program offered by the U.S. government, serving more than 57 million Americans.1 There are two main ways to get your Medicare coverage. You can get Original Medicare directly from the U.S. government, buying additional coverage as needed, or you can opt for a Medicare Advantage (MA) plan from a private insurer. MA plans are required to provide coverage that, at minimum, matches the coverage provided by Original Medicare.

Original Medicare

Hospital and Medical

Medicare Part A

Medicare Part B

Covered through the federal government

Prescription Drug Plan

Medicare Part D

Offered through a private insurer like Humana

Medicare Supplement Plans

Plans A, B, C, D, F, G, K. L, M & N

Offered through a private insurer like Humana for those who want to supplement their Medicare Parts A & B

OR

Medicare Advantage

All Medicare Advantage plans include hospital and medical coverage. Medicare Advantage Prescription Drug (MAPD) plans combine hospital, medical, AND prescription drug coverage- all in one easy-to-manage plan

Medicare Advantage Plan

Medicare Part C

Hospital

Medical

Prescription Drug Plan

Offered through a private insurer like Humana

Instead of paying doctors, hospitals, and other providers directly, the federal government pays private insurers like Humana to administer your plan.

Private insurers compete for your business by offering extra programs and resources that support your best health. For example, Many of Humana’s Medicare Advantage plans offer extras like the following at no additional cost to members:

Nurse Advice Line

Registered nurses are available by phone 24/7

Caregiver Support

Resources for those who care for others

Mail-order Pharmacy

Enjoy convenience and potential savings

SilverSneakers® Fitness Program

Over 13,000 fitness center to help you get and stay in shape

Search plans in your area

Or contact a licensed Humana sales agent, Monday - Friday 8 am - 8 pm , at 1-888-204-4062 TTY: 711

Original Medicare or Medicare Advantage?

How do I choose the plan that’s best for me?

 Taking some time to think about your recent healthcare history may help you identify what you want and need the most from your Medicare plan. Here are some things you may want to consider:

Your doctor

Do you want to keep your current doctor? Does he or she accept Medicare patients?

Your prescriptions

Do you take prescription drugs every day? Sometimes? Hardly ever?

Your budget

Do you prefer a slightly higher premium – but more predictable costs overall?

Extras

Are you interested in extras like fitness programs or phone access to a registered nurse 24 hours a day, seven days a week?

Travel

Are you planning to travel and need coverage that travels with you?

Find out more

Need some help considering your options?

Download our free booklet

Once I decide on a plan, when and how can I enroll?

Here’s what you need to know:

  • The Initial Enrollment Period is when you first become eligible for Medicare. It begins three months before – and ends three months after – the month in which you turn 65.
  • Open Enrollment is when you can make changes to your plans. It takes place every year from October 15 - December 7.
  • Special Enrollment allows you to enroll, dis-enroll, or change your coverage based on certain qualifying life events, such as a permanent move, or leaving your employer group health plan.
  • General Enrollment for Original Medicare runs from January 1 – March 31 and is for people who didn’t sign up when they first became eligible.

More information about enrollment dates

Check your eligibility to enroll in Medicare

Want to learn more about your options?

Search plans in your area

See plans with their premiums, copays, and participating doctors and pharmacies

Or contact a licensed Humana sales agent, Monday - Friday 8 am - 8 pm , at 1-888-204-4062 TTY: 711

Open my saved information

If you’ve already started to save your information so you can prepare to apply for a Humana Medicare plan, continue where you left off. If you don’t have information saved, enter your ZIP code above to find plans in your area. You can start entering your information, and save it to finish your application later.