Humans offers a robust set of coverage plans for medical expenses. One of their best plans that will give you lots of get value is their Humana Medicare Advantage 2018 plan. This covers tons of basic medical expenses and it may cover many optional ones too, providing coverage above and beyond the very basics that it is required to cover for you.
Advantage plans are not set in stone, as far as coverage is concerned, like a lot of the other Medicare plans. They are not sold by Medicare either, as you can tell from the fact that a private insurance company like Humana is offering them. These are plans that are regulated by Medicare, but there is a lot of free reign given to private insurers like Humana when it comes to how they sell these plans.
They can choose to go far beyond the basic coverage requirements to offer a lot more, and you will often pay more than the average for that additional coverage. They can also set their prices to what they like, usually keeping in line with the other rates in their local area or in response to the cost of living for that region.
We are going to look at what Humana has to offer you with Advantage plan coverage, and you can decide for yourself if one of these plans will be a good option for you.
Humana and Advantage Coverage
Humana is required by Medicare to offer you a certain amount of coverage. They have to take care of your Medicare Part A and Part B costs, except for those that are not considered medically necessary. They also don’t have to cover you for hospice care. Everything else will be covered that falls under the Medicare Part A and Part B classification, which is a ton of coverage, to be honest.
They also have to cover you for emergency care, such as urgent treatment.
Now, the Humana plans can vary from end location to another. They may not all provide you with the exact same coverage, so keep that in mind if you have looked at Humana plans before. They could change over time, and you want to keep your information current for when you are ready to sign up for a coverage plan.
Additional coverage could include Medicare Part D or annual checkups for seniors like hearing, visions and wellness assessments.
Humana does not have to offer that additional coverage, though, so if you want it, and they do have it, you can always seek out a different insurance company until you find one that has what you want. Or, if you like Humana as an insurance company, but you wish they offered more coverage, you can buy some of that coverage separately. Coverage like Medicare Part D can be bought on its own, if you don’t already have it.
You won’t be allowed to overlap any coverage for Humana Medicare Advantage 2018 plans. If you already have a medical insurance plan that offers some of the same coverage as the Humana Advantage plan you are wanting, then you have to drop that first plan in order to be eligible for the new one.
A lot of seniors already have insurance through their employer or another source before they become eligible for Medicare and Medicare Advantage. In fact, Obamacare has ensured that most people have medical insurance, so it’s understandable if you already have a plan by the time you reach Medicare eligibility age.
Just be prepared to cancel one of your current medical coverage plans if you want to sign up for a Medicare plans, as there is bound to be some overlap. This rule about no overlap between plans is meant to protect you from paying twice for the same coverage, ensuring you save money.
Should You Choose Humana?
Humana may not be your only choice for medical coverage plans or Advantage plans, but it is a good one. The company has a great reputation as a trusted insurance provider, and their stability and reliability makes them a good choice for seniors who want some certainty in an uncertain world. They can rest easy after signing up with this provider, knowing that their rates aren’t likely to spike and that their plans will come with a lot of value. They should also be assured that they will be provided with some excellent customer service.
But choosing one insurance provider over another is something that comes with a lot of different factors. One the one hand, you want to ensure that you choose the plan that saves you the most amount of money. On the other, you may just like Humana as your insurance company and not care too much what the prices are, especially if they are relatively close to competing options. You may feel that Humana is the safer bet and be willing to pay the little extra that may be required to choose them over another insurance company.
Ultimately, the choice is up to you, and we want to you to be informed and make the right choice for your situation. Only you know how much coverage you need and what you can afford. We can’t tell you whether Humana’s Advantage plans are your best bet or not. That’s something you will have to decide on your own.
You can also talk to your doctor about your healthcare needs and what kind of medical problems you may need to prepare for in the near future. You may want to try to cover some of those with insurance ahead of time, as it can be more expensive later if you change your mind and try to get more coverage to take care of a preexisting condition. During Open Enrollment, which is your first opportunity to sign up for Medicare Advantage plans, you have the best options and rates available to you. You also won’t be charged for preexisting conditions, so that’s your best time to choose one of the Humana Medicare Advantage 2018 selections.