A Medicare Supplement plan, also called Medigap, helps pay some of the costs that Original Medicare doesn’t pay, such as coinsurance, copayments and deductibles. However, Medicare Supplement plans do not include routine dental, vision, hearing or prescription drug benefits.
Consider an MAPD plan, which is required to provide all of the benefits provided by Original Medicare.
Maybe that's why enrollment in MAPD plans has doubled over the last decade as more people discover the added benefits that MAPD plans provide.1
- $0 or affordable monthly premium costs* could help reduce overall annual healthcare expenses.
$0 or affordable premiumsare not an indicator of hidden or surprise costs. You can review the plan costs and details before enrolling by reviewing your plan’s Statement of Benefits and Evidence of Coverage, comparing plans online or talking with a licensed Humana sales agent.
- Get additional benefits such as prescription drug benefits and routine dental, vision and hearing at no additional cost.
- MAPD plans do NOT require referrals or prior approvals before you visit a healthcare provider. With a preferred provider organization (PPO) plan, you can visit any healthcare provider of your preference, whether that healthcare provider is in- or out-of-network.
- The maximum-out-of-pocket (MOOP) benefit protects you against unexpected healthcare expenses by limiting your financial responsibility for covered services. In 2023, the out-of-pocket limit may not exceed $8,300 for in-network services and $12,450 for in-network and out-of-network services combined.2
- Your plan choice is not a life-long commitment. During the Medicare
Annual Enrollment Period (AEP), you may enroll in a new MAPD plan, return to Original Medicare or enroll in a Medicare Supplement plan.† However, if you are trying an MAPD plan for the first time and you’ve been in the plan less than a year, you may not be able to get the same exact Medicare Supplement plan back if it is no longer offered. Available plans will depend on what is being offered in your state at the time.
- MAPD members can make changes during Open Enrollment Period (OEP) Jan. 1 – March 31 or AEP Oct. 15 – Dec. 7.
- If you are turning 65, otherwise new to Medicare, losing benefits at work, moving or have both Medicare and Medicaid, you may be eligible to enroll today during
Special Enrollment Periods.3