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How to decide if a Medicare Advantage plan is right for you.

Pick the healthcare benefits that matter to you and we’ll help you understand your Medicare coverage options based on your needs.

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Medicare comes in four Parts: A, B, C and D. Each part covers a different aspect of your healthcare costs.

Medicare Part A and B coverage comes standard for most Medicare-eligible people, but it doesn’t cover everything. This tool will help you determine if additional coverage may be necessary.

Part A Helps cover hospital, skilled nursing, home health, and hospice expenses.

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Part B Helps cover doctor visits, outpatient care, and preventive services.

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Part D Helps cover the costs of your prescription drugs.

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Part C Also known as Medicare Advantage, these convenient, all-in-one plans cover everything Parts A and B cover, except hospice expenses which is covered by Medicare, plus much of what they don’t. You can even choose from plans that include Part D prescription drug coverage and additional members-only benefits and services.

Select Your Coverage Needs

STEP 1 - Additional Coverage

Original Medicare Parts A and B do not cover the below heathcare expenses. If you need coverage for these items, and you don’t get it through another source such as the Veterans Benefits Administration or a group retirement plan, you’ll want to purchase it through a private health insurance company such as Humana.

Which of these healthcare expenses will you need covered while on Medicare? Select all that apply.

	Do you need prescription drug coverage to help cover the cost of your medications?	Yes No
	Do you need coverage for dental care and procedures?	Yes No
	Do you need coverage for vision exams, procedures, and corrective eye-wear?	Yes No
	Do you need coverage for hearing exams and treatments?	Yes No

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STEP 2 - Doctor and Hospital Network

Most Medicare Advantage plans include a network of doctors, hospitals, and clinics that meet certain quality standards and have agreed to contract with a private health insurance company such as Humana to provide services to members at a contracted rate.

There are two primary network types to choose from. Please select the network type that best describes your needs.

HMOHealth Maintenace Organization

These plans are typically less expensive than PPO plans. Many Humana HMO plans have low or $0 premiums and deductibles. However, there are some additional requirements for care that allow these plans to cost less.

• Their coverage only extends to in-network doctors, hospitals, specialists, and clinics – with few exceptions. If you choose to get treatment from an out-of-network provider, you will be responsible for 100% of the cost. However, Humana has a large network, so check with a licensed Humana sales agent to see if your preferred healthcare providers are in-network.

• Most HMO plans require you to select a primary care physician. This doctor oversees your medical needs and refers you to specialists, if necessary. Some HMO plans require you to have a referral from your primary care physician before treatment from a specialist will be covered. In some areas, Humana offers HMO plans that waive both requirements completely.

Tap to Expand HMO Description

I think an HMO plan may be right for me

PPOPreferred Provider Organization

PPO plans typically cost more than HMOs but they come with more flexibility. Most PPO plans require you to pay a monthly premium and have a higher deductible for medical care.

• Unlike some HMOs, you generally are not required to select a primary care physician and you won’t need a referral for specialist visits.

• In most cases, you’ll be covered by both in-network and out-of-network doctors and hospitals. However, your out-of-pocket costs will be lower if you get care from in-network providers.

Tap to Expand PPO Description

I think a PPO plan may be right for me

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STEP 3 - Predictable Costs and Potential Savings

Many Humana Medicare Advantage plans include features designed to help make your healthcare expenses more predictable and provide opportunities for additional savings.

Select the features you’d like to see in your plan.

Maximum out-of-pocket limit Out-of-pocket expenses are the costs you’re required to pay for medical care, prescriptions, and other healthcare services. These include coinsurance, copayments, and deductibles. Medicare Advantage plans feature a maximum out-of-pocket yearly limit that helps you budget for your medical care more effectively. Once you reach your maximum out-of-pocket costs for Part A and Part B covered services, your plan pays 100% of the remaining costs for most covered services for the rest of the plan year.

I am interested in a plan that limits my out-of-pocket costs.

Yes

No

Zero Dollar Premium Plans In most areas, Humana offers Medicare Advantage plans with monthly premiums as low as $0. Humana can offer such affordable premiums because the federal government pays us a flat fee to provide your Medicare benefits. We’re able to add additional coverage and extra benefits to our plans because they’re structured to help keep healthcare affordable.

I am interested in a plan with a monthly premium as low as $0.

Yes

No

Maximize Your Benefit^® Rx This is a program for Humana Medicare Advantage and Prescription drug plan members that’s designed to help you save on high-cost medications. It tells you when a less expensive alternative to the medication you’re taking is available, so you and your doctor can decide if switching makes sense for you.

I am interested in a plan that alerts me to lower-cost medication options.

Yes

No

Dual-eligible Plans "Dual-eligible" is the term used to describe people who are enrolled in both Medicare (Part A and/or Part B) and Medicaid (full Medicaid benefits and/or assistance with Medicare premiums). These individuals are eligible for help paying their premiums, deductibles, coinsurance, and copayments. In some areas, Humana may have plans that are specifically designed for Dual-eligible consumers. These Dual-eligible Special Needs plans coordinate all the benefits of Medicare and Medicaid, plus include additional coverage and extra benefits all in one easy-to-manage plan. They may also reduce payments for premiums, deductibles, and prescription drugs.

I think I may be Dual-eligible. I am interested in learning more about Humana’s Dual-eligible Special Needs plans.

Yes

No

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STEP 4 - Additional Benefits and Services

Humana’s Medicare Advantage plans include important extra benefits and services at no extra cost. These are things you won’t get from Original Medicare Parts A and B alone. Below, you’ll find a list of extra benefits and services that are available on some Humana Medicare Advantage plans.

I am interested in plans that include ... Select all that apply.

	A free gym membership through the SilverSneakers^® fitness program.	Yes No
	Rewards for completing healthy activities through Go365^™, Humana’s personalized wellness and rewards program.	Yes No
	Access to Humana’s mail-order pharmacy to get your prescriptions mailed to your door at the lowest cost Humana can offer.	Yes No
	Virtual telemedicine doctor visits via your phone or computer.	Yes No
	Worldwide Emergency Coverage.	Yes No

Continue

Based on your choices, an all-in-one Humana Medicare Advantage plan may be right for you.

Choosing the plan that's right for you

Begin by thinking about your recent health and healthcare history to help identify what you want and need most from your Medicare plan.

Consider these important factors as you begin making your decision:

• 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?

• Travel - Are you planning to travel and want a plan that provides coverage when you’re away?

• Even More Benefits to Choose From! - In some areas, Humana offers plans with even more benefits than the ones listed above. Benefits like no prescription drug deductibles, rides to doctor appointments, meal delivery after an inpatient overnight hospital stay, an allowance for over-the-counter medications, help paying your Part B premium, and much more! The availability of these benefits vary by plan and location.

Bring this sheet along with you as you shop. It’ll help you narrow down your options so you can find the plan that’s right for your health and budget.

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Three convenient ways to shop our plans

Give Us a Call

Our team of licensed Humana sales agents are highly trained and specialized in finding the right combination of Humana products for you.

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Perfer to talk to someone in person? Set an appointment for a licensed Humana sales agent to talk with you in the convenience of your home.

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Shop Online

Compare your plan options and benefits online. You can even enroll right from your computer via our secure online application.

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The Coverage and Benefits You Selected

Coverage and Benefits	Original Medicare Part A	Original Medicare Part B	All-in-one Medicare Advantage Plan Part C	Stand-alone Prescription Drug Plan Part D
Standard Coverage
Part A: Hospital Coverage:Includes hospital expenses, skilled nursing, and home health and hospice care.
Part B: Doctor & Outpatient Coverage:Includes doctor visits, outpatient care and preventive services
Additional Coverage
Perscription drug coverage
Coverage for dental care and procedures
Coverage for vision exams, corrective eye-wear, and procedures
Coverage for hearing exams and treatment
Doctor and Hospital Network
Your Preferred Network Type			HMO/PPO
Predictable Costs and Potential Savings
Maximum out-of-pocket limit
Zero Dollar Premium Plans
Maximize Your Benefit^® Rx
Dual Eligiblity
Your dual eligibility selection			No answer
Additional Benefits and Services
A free gym membership through the SilverSneakers^® fitness program
Go365^™ Humana's personalized wellness and rewards program
Access to Humana's mail-order pharmacy - get your prescriptions mailed to your door
Telemedicine - Virtual telemedicine doctor visits from your phone or computer
Worldwide Emergency Coverage
Annual Wellness Checkup Incentive and Rewards
Added Convenience
Virtually no claims to file

Original Medicare Part A

Original Medicare Part B

All-in-one Medicare Advantage Plan Part C

Stand-alone Prescription Drug Plan Part D

Standard Coverage
Part A: Hospital Coverage:Includes hospital expenses, skilled nursing, and home health and hospice care.
Part B: Doctor & Outpatient Coverage:Includes doctor visits, outpatient care and preventive services
Additional Coverage
Presription drug coverage
Coverage for dental care and procedures
Coverage for vision exams, corrective eye-wear, and procedures
Coverage for hearing exams and treatment
Doctor and Hospital Network
Your Preferred Network Type	HMO/PPO
Prefictable Costs and Potential Savings
Maximum out-of-pocket limit
Zero Dollar Premium Plans
Maximize YOur Benefit^®
Dual Eligiblity
Your dual eligibility selection	No answer
Additional Benefits and Services
A free gym membership through the SilverSneakers^® fitness program
Go365^™ Humana's personalized wellness and rewards program
Access to Humana's mail-order pharmacy - get your prescriptions mailed to your door
Telemedicine - Virtual telemedicine doctor visits from your phone or computer
Worldwide Emergency Coverage
Annual Wellness Checkup Incentive and Rewards
Added Convenience
Virtually no claims to file

Added convenience

Humana Medicare Advantage plans are designed with your convenience in mind.

All-in-one plans

Unlike Original Medicare, Medicare Advantage plans combine all your coverage in one, so you’ll only have to worry about managing a single plan.

Virtually no claims to file

Humana pays your doctors and hospitals directly.

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