Humana Part D Insurances

Humana, part D coverage, is available in two broad ways. This include; Medicare Advantage prescription drug plan also known as Medicare Advantage plan and a stand-alone Humana Medicare Prescription Drug Plan that works alongside Original Medicare.


Generally, you should not enrol in a stand-alone Humana Medicare prescription drug plan if you are enrolled in a Medicare Advantage plan which covers prescription drug coverage. Otherwise, if you registered you will be disenrolled automatically from your Medicare Advantage plan and returned to the original Medicare which covers part A and Part B.


Humana Medicare Advantage plans are found at Part D prescription drug coverage. However, plan benefits change from year to year. It is therefore essential to check from your chosen Medicare Advantage plan so long as you are interested in part D coverage.


Humana part D insurance programs require that all private companies that provide part D coverage give extra benefits to all enrollees. For instance, Medicare plans that provide prescription drug coverage should also offer at least two extra medications along with that. If you are getting prescription drug coverage from Medicare Advantage plan, therefore you should also receive additional benefits from Medicare part C which include dental, vision, and hearing routine check-ups.


It is also important to note that Humana offers different benefits in different parts of the country. Also, not all Humana Medicare Advantage plans and Medicare part D are available in all areas. Furthermore, the cost-sharing expenses and premiums of different Humana Medicare plans are varied depending on the service area you are in.


With Humana part D insurance plan, you’ll have to pay a separate monthly premium in addition to Medicare part B for stand-alone prescription drug plans. However, if your part Humana part D insurance plan includes prescription drug coverage then, your premium consists of the cost of Medicare part D.


Depending on where you live, you may be eligible to enrol in one of these types of Humana Medicare Advantage plans:

  • Humana Gold Plus Health Maintenance Organization (HMO) plans, which require you to use network providers and get referrals from your primary care doctor for specialist care.
  • Humana Choice Preferred Provider Network (PPO) plans, which pay for more of your costs when you use network providers. However, you may have the option to use non-network providers, but you might pay higher copayments and coinsurance costs if you do go out-of-network. You also don’t need referrals for specialist services.
  • Humana Gold Choice Private Fee-For-Service (PFFS) plans, which let you use providers that accept your plan’s terms and conditions and agree to treat you.