Overview of Humana Medicare Insurance Plans

Humana is a Fortune 100 Company that has been in the health industry for almost 50 years. Nationwide, Humana has 9 million members covered by health care with almost 4 million Medicare members.

Humana provides a wide range of Medicare insurance plans that meet your needs. The three major plans Humana offers includes Medicare Advantage plans, Medicare prescription drug plans, and Medicare supplement plans.

Important Reminder: If you are currently not satisified with your Medicare coverage, you do have until March 31, 2010 to change your Medicare plans.

Humana Medicare Advantage Plans - The Advantage Plans allow you to combine Medicare health insurance and prescription drug coverage into one plan.

Additional advantages to the Humana Medicare Advantage Plans include:

More benefits than Original Medicare

May include prescription drug coverage that is equal to or greater than Medicare's standard requirements

Costs are more predictable and you can get more out of your health care dollar

Worldwide coverage for urgent and emergency care

Humana Medicare Advantage Plans provide you more choices with 4 additional plans. These include Humana Gold Choice PFFS, Humana Gold Plus HMO, HumanaChoicePPO, and Humana Special Needs Plans.

Humana Medicare Part D Insurance Plans - When it comes to selecting a Medicare Part D prescription drug plan you have a lot of options. You want to select a plan that provides lower costs with very good coverage. Humana Medicare Part D Plans provide you with a way to reduce your prescription drug costs and competitive pricing.

Humana provides you with an easy way to track your prescription drug costs by sending you a monthly summary statement. You can also use their pharmancy tool, MYHumana, to keep track of your current drug costs. The RX Calculator can also help you estimate your future drug costs and locate participating pharmacies in your area.

Humana provides you with 3 different Part D Plans (PDPs) to meet your needs. These include Humana PDP Standard, Humana PDP Enhanced and Humana PDP Complete. These stand-alone PDPs are seperate from your Medicare coverage and they let you add prescription drug coverage to your Original Medicare coverage.

Humana Medicare Supplement Insurance - These insurance plans cover the gaps in Original Medicare coverage and are known as Medigap plans. These gaps in Original Medicare coverage include coninsurance and deductibles.

With Humana Medicare Supplement Insurance you are still in the Medicare program, you can keep your same doctors, and you have all the rights and protections that Medicare provides.

In most states, the law requires that policies are standardized into plans that are labeled from A through L. All of the policies cover basic benefits, but there are additional benefits that vary by plan. Medicare Supplement Insurance plans A through J have a set of basic benefits with higher premiums. Plans K and L have different basic benefits with premiums that are lower.

It is important that you take the time to study all the Medicare Supplement plans, also known as Medigap plans, to select the plan that best meets your needs. You should understand the basics on how these plans work with Original Medicare, eligibility and when you can enroll.

Remember that Medicare Supplement Insurance varies by state and Humana does not offer some of the plans. Remember to spend the time reviewing all of the different options before you make a decision.