Medicare insurance plans provided by the US government covers both Part A (hospital insurance) and Part B (medicare insurance) of the medicare. However, more and more people are switching from Original Medicare to Medicare Advantage plans. Medicare Advantage is plans offered by private companies which have been verified by medicare. These companies along with taking care of Part A and Part B of your Medicare also covers Part C and at times the Part D of your medicare as well.
One such well established private company which is one of the biggest health insurance providers in the whole of the US is Humana Health care. They provide several plans for you to choose from according to your needs. They have a different and special plan for almost all of your medical needs. In 2019, Humana Medicare Advantage has expanded and covered all of the 50 states in the United States.
Humana offers four basic advantage plans, namely HMO, PPO, SNP, and PFFS plans. Humana’s health maintenance organisation (HMO) plan is one of the most popular as well as affordable plan. Most of the HMO plans offer prescription drug coverage as well, among all the other benefits.
With Humana’s HMO plans you can choose any primary health care provider within the network of your plan. By plan network, we simply mean the area which is covered by a particular plan. Choosing a health care provider within the network would cost you much less as compared to other plans. A primary health care provider is the one which you would see in case of any medical need. However, if you want an appointment from a provider outside your plan’s network you would have to first take a referral, and it would cost you more than your local provider.
HMO plans usually offer much lower monthly premiums as compared to the other plans. Some Humana HMO plans can cost you as low as $0. Most of the Humana HMO plans cover the prescription drug coverage as well, and in a much more effective manner than the standard Medicare. Along with free annual preventive screenings, the health maintenance organisation plans also cover emergency services anywhere in the world. So, if you have an HMO plan, you need not worry while travelling as well.
The HMO plan also covers your hospital expenses and provides various fitness programs like the SilverSneakers fitness program. Your healthcare would be continuously coordinated by your primary care physician (PCP). He would have an overall picture of your health and would be responsible for coordinating any additional health services that you might need. So, if you are someone who does not require much special care and can manage with a PCP, the Humanas HMO plans are the best for you. They have low monthly premiums and low out-of-pocket expense as well.