Description: The article centers on some information about Humana Pharmacy login, it contains some introduction about Medicare plans offered to the public these years and some medicare options people can choose when they miss regular enrollment in some circumstances.
For nearly 30 years, Humana has offered Medicare plans to the public, in that time, we’ve learned a lot about how to be a better partner in health, our goal is to help our members achieve lifelong wellbeing at Humana.
Thinking about Medicare, all your options can be overwhelming, we want to help you understand these options and the plan that you choose, we’ll start by looking at that.
When you can enroll, there are specific times, when you can enroll or change your medicare plan October 15th until December 7th is the annual election period during the rest of the yea, you may qualify for a special election period or SCP.
If certain special circumstances apply to you, if you’ve missed regular enrollment, you can speak to your agent about whether you qualify for SCP, now it’s time to address your Medicare options.
Option one is Original Medicare. Original Medicare doesn’t cover prescription drugs, this means you may need to enroll in a separate Medicare Part D prescription drug plan often called a standalone PDP.
Option two is Original Medicare plus a medicare supplement policy plus a prescription drug plan, many people who select Original Medicare purchase a medicare supplement plan also known as a Medigap policy, they do this to reduce their financial liability, if they need drug coverage, they may also add a PDP.
Option three is Medicare Advantage, you can choose to get your Medicare coverage through Medicare Advantage, these are often called MA plans with many Medicare Advantage plans.
You’ll have a health plan and drug coverage, you won’t need a Medicare supplement plan, one plan, one company, it it simple.
Let’s go into some more details about option three which is Medicare Advantage, the federal government Centers for Medicare and Medicaid Services CMS refer to Medicare Advantage plans as Medicare Part C private insurance companies approved by Medicare provide.
This coverage Medicare Advantage plans offer all the benefits of Original Medicare, but most lower out-of-pocket costs MAPD plans are Medicare Advantage plans that also include Part D prescription drug coverage, many Medicare Advantage plans offer extra benefits as well.
Keep in mind Medicare Advantage plans are not Medicare supplement plans medicare supplement plans are purchased in addition to Original Medicare, they offer all the benefits of Original Medicare and more in one simple package.
When you enroll in a Medicare Advantage plan, you still have Medicare, you don’t lose it, you’re choosing the Medicare Advantage version which is administered by a private company rather than the federal government.
Now you know your options, but how do you select the plan? That’s best for you to start by asking a few simple questions to decide what you’ll need from your Medicare plan, what type of plan do you currently have? What do you like about your coverage? What would you add to your current coverage to make it ideal for you? Does anyone help you make decisions about your health care and should they be present?
Once you’ve answered these questions, you’ll be ready to start looking at available plans, so you choose an HMO plan, let’s look at how that plan works.
In general, with an HMO plan, you choose your healthcare providers from an established network of doctors specialists hospitals and other medical service providers, these providers have agreed to accept a discounted rate from Humana and we pass the savings on to you.
There are a few exceptions, you may see a non-network provider for receive non-network services, if the visit is approved by your primary care physician and the plan first and if you need urgent or emergency care.
While you’re away and a network provider is not available, go to the closest emergency room, you’ll select a primary care physician, your PCP from a directory of in-network providers most HMO plans require you to get a referral from your doctor for specialist visits, check with your sales agent on whether the HMO plan in your area requires referrals from your doctor, your out-of-pocket costs may be significantly lower.
Humana offers a large provider network, but if your current doctor is not in our network, the plan may provide such a value that it might be worth changing your PCP, simply select the new PCP from our provider directory.
If you’re not completely happy with your choice, you can change your PCP monthly until you find one, that’s right, do you need prescription drug coverage, here are a few things to keep in mind, if an HMO plan does not cover prescription drugs, CMS does not allow you to combine a prescription drug plan with it, ask your sales agent to review a plans prescription drug coverage with you for a plan with prescription drug coverage, be sure to review the formulary or drug list with your agent.
This is the list of specific medicines covered by the plan and is available at Humana com, even if you see your medicines listed, in some cases, Humana may require you to try certain drugs first to treat your condition.
Before we’ll cover a more expensive drug, this is called step therapy, the Medicare prescription drug coverage gap or doughnut hole is the period, when you pay part of your drug costs before additional Medicare coverage kicks in.
Once you enter the coverage gap, you will receive discounts on your prescription drugs, you’ll be responsible for paying no more than 51 percent of the cost of many generics and no more than 40 percent of the cost of many brand-name drugs manufacturers must agree with CMS’s terms and conditions to contract with Medicare.
Not all brand-name drugs may be covered, if you’re covered by both Medicare and Medicaid, you may be eligible for another type of Medicare Advantage plan with prescription drug coverage contact your state Medicaid agency and your doctor to determine.
If a special needs plan is a good option for you for extra peace of mind, it’s good to note that Humana’s HMO plan is reviewed and approved annually by CMS.
We’ve discussed when to sign up, what your Medicare options are, the specifics of an HMO plan and prescription drug coverage.
Your agent will review two important documents, the summary of benefits which covers many of the specific features of Humana’s HMO plan and the formulary or a list of drugs covered by this plan.
If you choose to sign up and become a Humana member, you’ll decide if you’d like to receive your plan coverage documents online for paper copies in the mail, doing it online is a great way to stay organized and save paper.
If you choose our online option, we’ll send you an email, you can go to my Humana comm anytime to get started, learn more about your plan and view your documents, you’ll receive your Humana member ID card in the mail, you’ll complete a health assessment by phone or online.
If you’ve chosen our online option, this health questionnaire is utilized to see, if you qualify for any special health programs, we also encourage you to attend a member orientation which will help you use your plan and extra services to their full advantage.
We’ve covered a lot of information today and if you still want to know more, don’t hesitate to call us, we’re your partner in health and happy to speak with you anytime you have questions, your Humana licensed sales agent who’s presenting your specific plan benefits.
I will also be happy to answer any additional questions, another great resource is the Medicare, you should have received in the mail, you can also go to WWE egg of the official Medicare website.