Humana Health Insurance Plans and Coverage Levels
Humana is a Medicare Advantage HMO, PPO, and PFFS organization.4 It also serves as a stand-alone prescription drug plan contracting with Medicare.4 Humana’s HMO, PPO, and PFFS are defined below:5
- Health Maintenance Organization (HMO): In an HMO, you must stay within a given network of providers to be covered by insurance. Your primary care doctor will help you manage services by providing referrals to specialists that are within the network. This plan usually has a lower out-of-pocket cost.
- Preferred Provider Organization (PPO): This type of plan offers a larger network of doctors and specialists from which to choose. You can go in- or out-of-network without a referral for services. This plan may have higher deductible costs.
- Private Fee-For-Service (PFFS):6 A Medicare PFFS plan is a type of Medicare Advantage plan (Part C) provided by a private insurance company. This type of plan determines how much payment goes to the doctors, healthcare providers, and hospitals and what your out-of-pocket costs will be.
If you’ve served or are serving in the military, Humana Military may be an ideal insurance plan for you.7 This plan covers military service members and their families. It is in partnership with the Department of Defense and administers TRICARE health programs.7
Humana also has a special needs insurance plan, which is Humana SNP. This plan works with a large network of providers and is similar to an HMO. You will have a primary care doctor to help you manage your care.8