You have choices

Understanding what you want and need from your healthcare coverage can make it easier to determine the best plan for you. Let's explore your options.

Most people get their Medicare coverage in one of two ways:

Option1

Basic Coverage

Covered by the federal government

Part A Hospital

Covers hospital expenses,such as room,board and other inpatient services.

Part B Medical

Covers medical expenses,such as doctors's services,outpatient services an other medical supplies

Part D Prescription

Optional prescription drug coverage offered through a private company like Humana

Medicare Supplement

Optional coverage beyonds what partA and A provide offered through a private company like Humana

or

Option2

Part C

Medicare Advantage Plan

Part A Hospital

Covers hospital expenses,such as room,board and other inpatient services.

Part B Medical

Covers medical expenses,such as doctors's services,outpatient services an other medical supplies

Part D Prescription

Covers prescription drug coverage

Additional Services and Programs

Medicare Advantage plans combine part A & B and add benefits like prescription drugs, vision or dental coverage - all in a single plan

With a Medicare Advantage plan, you’re still in the Medicare program, with all the same rights and protections of Original Medicare, but instead of paying doctors and hospitals directly, the federal government pays private insurers – like Humana – to administer your plan.

Unlike Original Medicare, every Medicare Advantage plan has a maximum annual out-of-pocket cost, after which you’ll pay nothing for covered services for the rest of the plan year. And monthly premium payments for Humana Medicare Advantage plans may be as low at $0 in some areas.

How and when to enroll

You’ll receive your red, white and blue Medicare card automatically from the Social Security Administration, which determines your start date for Medicare Part A & Part B coverage. Once you sign up for Parts A & B, you can opt to enroll in a Medicare Advantage plan, a stand-alone prescription drug plan or a Medicare Supplement plan.

There are four different enrollment periods for Medicare:

1

The Initial Enrollment period in a Medicare Advantage and prescription drug plan is a seven-month period when you first become eligible for Medicare coverage (turning 65 years old or due to disability). It begins three months before – and ends three months after – the month you turn 65.

2

Open Enrollment in a Medicare Advantage and prescription drug plan occurs every year from October 15 to December 7. Aside from your initial enrollment or special circumstances, this is the only time you can make changes to your plans.

 

3

Special Enrollment in a Medicare Advantage and prescription drug plan can only occur when you have a qualifying life event that allows you to enroll, disenroll, or change your Medicare coverage.

 

4

General Enrollment in Original Medicare, from January 1 – March 31, is for those who didn’t enroll in Medicare Part A (if they have to buy it) and/or Part B (for which they must pay premiums) when they first became eligible.

 

Enrolling is easy

Enrolling is easy. You can enroll online, over the phone, or in person with a licensed Humana sales agent. Click here for more information