Jane Dotson
Humana is a health insurance company that offers a range of Medicare and non-Medicare plans, including Medicare Advantage plans and prescription drug coverage. They have consistently ranked highly for customer experience and were named the best insurance company for Medicare Advantage by U.S. News & World Report in 2024. In addition to their Medicare offerings, Humana also provides Medicaid plans, such as the Humana Healthy Horizons Medicaid plan. This plan provides health coverage for low-income individuals, families, seniors, and people with disabilities, ensuring they have access to the care they need.
| Characteristics | Values |
|---|---|
| Customer Experience Ranking | Ranked No.1 among health insurers for customer experience (CX) by Forrester for four consecutive years |
| Medicare Advantage | Humana Medicare Advantage plans include a full spectrum of integrated, senior-focused care management programs designed to meet seniors' needs |
| Medicaid | Humana Healthy Horizons Medicaid |
| Medicare | Humana offers both Medicare and non-Medicare plans |
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What You'll Learn
Humana's Medicare Advantage plans
Humana offers Medicare Advantage plans, which provide all the benefits of Original Medicare Parts A and B, and most plans include coverage for prescription drugs. These plans set a limit on how much you'll pay out of pocket annually, after which you pay nothing for covered services for the rest of the plan year.
To determine your eligibility and find the right plan for you, you can enter your ZIP code on Humana's website to view the plans available in your area. Licensed Humana sales agents are also available Monday through Friday from 8 a.m. to 8 p.m. to assist you.
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Humana's non-Medicare plans
Humana is a health insurance company that offers a range of Medicare plans and health insurance coverage to fit different lifestyles. They have received high customer experience scores and have been ranked as the best insurance company for Medicare Advantage by U.S. News & World Report for two years in a row.
Humana's Medicare plans include Medicare Advantage and Original Medicare. They also offer a Medicare Savings Program to help members maintain their health and save on prescriptions. Humana provides a range of resources and services to support its members, including mobile apps to access plan benefits, review prescription drug options, and check claims.
In addition to Medicare plans, Humana also offers non-Medicare health benefit plans. These plans have exclusions, limitations, and terms that govern the continuation or discontinuation of coverage. The specific benefits and coverage provided by these non-Medicare plans are detailed in the plan documents. To access the full details of the coverage, individuals can refer to the plan document or contact a Humana insurance agent.
While the focus of this response is on Humana's non-Medicare plans, it is worth noting that the company provides a range of Medicare options and has received recognition for its Medicare Advantage plans. As always, individuals should carefully review the terms and provisions of any insurance plan before enrolling to ensure it meets their specific needs and requirements.
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Humana's prescription drug coverage
Humana offers prescription drug coverage through its Medicare Part D prescription drug plans. These plans are designed to help individuals save on prescription medications, as Original Medicare does not include coverage for prescription drugs. Humana's prescription drug plans vary by location, with different options available depending on the individual's ZIP code.
The Humana Value Rx Plan is one of the company's Medicare Part D prescription drug plans. This plan offers coverage for more than 3,600 prescription drugs, including affordable premiums and robust coverage at a low price. The plan includes $0 Tier 1 and Tier 2 copays at preferred pharmacies, and preferred cost-sharing at select retailers such as Walmart, Sam's Club, and Costco. The Value Rx Plan is ideal for those seeking low-cost shares for generics, as well as comprehensive coverage at a reasonable price.
Another option is the Humana Premier Rx Plan, which is also a Medicare Part D prescription drug plan. This plan includes a network of limited lower-cost, preferred pharmacies in specific urban, suburban, and rural areas across the United States. These pharmacies offer reduced prices on prescription medications for plan members. However, it's important to note that the advertised lower costs may not be available at all pharmacies within the network.
Individuals can determine their eligibility for Humana's prescription drug plans and compare the available options by visiting the Humana website or contacting a licensed sales agent. The specific drugs covered under each plan may vary, and updates are made regularly by doctors and pharmacists on Humana's medical committee. If a particular medication is not listed, individuals can contact Humana to request coverage or approval for that specific drug.
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Humana's Commercial health plans
Humana Inc. is an American for-profit health insurance company based in Louisville, Kentucky. It is the fourth-largest health insurance provider in the U.S. and has consistently ranked highly for customer experience.
Humana offers a range of health insurance plans, including Medicare, Medicaid, and Military plans, as well as specialty businesses. The company also provides health benefit plans with exclusions and limitations, and terms under which coverage may be continued or discontinued.
In February 2023, Humana announced its exit from the employer-based commercial group insurance market to focus on government-funded programs. This shift in strategy aims to prioritize health plans such as Medicare, Medicaid, and services for the military.
Humana's Medicare Advantage (MA) plans have contributed to the company's growth, with extra benefits like dental, vision, and fitness memberships, making them attractive to beneficiaries. However, these plans may require prior authorization for certain services, which can be a downside for some enrollees.
In addition to its insurance offerings, Humana has been a principal sponsor of various initiatives, including the annual Humana Festival of New American Plays in Louisville, Kentucky, and has partnered with the David Toms Foundation to support children's charities in New Orleans.
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Humana's Healthy Horizons Medicaid plans
Humana Healthy Horizons is a Medicaid product offered by Humana Medical Plan, Inc. in Florida, Humana Health Plan of Ohio, Inc. in Ohio, and Humana Wisconsin Health Organization Insurance Corporation in Oklahoma.
In Florida, Humana Healthy Horizons is a Managed Care Plan with a Florida Medicaid Contract. This means that members get Medicaid along with additional benefits to help them feel their best. While specific benefits may vary by state, members in Florida, Ohio, and Oklahoma can take advantage of medical, hearing, and vision coverage.
In Oklahoma, Humana Healthy Horizons offers behavioural health services and extra benefits. These services can be used for mental health issues and/or substance use issues, providing care during the 90-day Continuity of Care Period.
In Ohio, members have the option to switch to Humana Healthy Horizons within the first 90 days of their enrollment. Humana Healthy Horizons in Ohio also hosts community events, which may be in-person or virtual, to provide information about the program and connect with members.
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Frequently asked questions
Humana is a health insurance company that provides Medicare, Medicare Advantage, and health insurance coverage.
Medicaid provides health coverage for low-income children, families, seniors, and people with disabilities.
Humana offers both commercial and Medicare Advantage health plans, as well as a Healthy Horizons Medicaid plan.
You can explore plan options and check your eligibility by calling Humana or visiting their website.
