As one of the highest-rated insurance companies in the United States, Humana, is a popular choice for Medicare subscribers and seniors who are looking for additional medical insurance coverage. The Humana Advantage Plans for 2018 are going to be some of their most sought after plans in the upcoming year, due to the extensive coverage these plans offer. We are going to take a close look at what those plans offer and why they might be a good choice for you.
A Look at Advantage Coverage
There are lots of seniors for whom Medicare’s basic plans are not comprehensive enough. They leave a lot of medical expenses still to pay for many people, and even adding a supplemental plan onto that may not be adequate. Some seniors have serious medical problems for which they need regular treatment, and all those hospital visits and doctor’s appointment can add up for them, costing them more than they can pay. In those situation, they may start looking for more comprehensive coverage, the kind of coverage that only Medicare Advantage plans may be able to provide.
There are no higher coverage plans available for most people than the Medicare Advantage plan. It can take care of tons of medical expenses that no other single plan does. There are plenty other plans that consumers can buy that will give them some similar coverage, but having all that coverage in a single plan is very convenient and often cost effective.
The base coverage for every Advantage plan is that it takes care of Medicare parts A and B (except for hospice care) and for a variety of tests and checkups. Some Medicare plans will offer more than that, and most them do cover you for Medicare Part D as well. There may even be more coverage on top of that, but how much additional coverage the plan comes with will vary from one provider to the next and even from one state to another.
There isn’t a standardized coverage for all Advantage plans, so you need to take time to look carefully at what each plan offers so you know you are getting what you need. Keep in mind that the insurance companies can change how much coverage their plans come with and how much those plans cost. They are not limited by Medicare as to when they can make these changes, so it is up to you to keep track of them and ensure that you are getting the kind of coverage you need at a price you can afford.
Buying Advantage Coverage through Humana
Humana is not the only company selling Advantage plans. All the big medical insurance companies have their own versions of Advantage coverage. It’s in your best interests to compare these as much as possible and ensure that you are getting the best deal for you.
By purchasing the Humana Advantage Plans for 2018, you will be subject to their rates and not a standardized price or coverage. That’s why you will want to compare their offerings with as many other companies as possible. You want to be certain that you are getting the best rates and coverage possible.
Humana may not cover you the same way from one state to the next. That’s because each state can have a different concept of what treatments and types of care are considered medically necessary. If something is not considered medically necessary, then it may not be covered under your Advantage plan. You may have to pay for certain procedures out of your own pockets in one state than you would be covered for in another state.
You can also ask before any procedure is administered or any treatment is given how much it will cost and whether it will be covered. You do not have to have any procedure done that you don’t want, so if you find out that something is not covered by your insurance, you can just opt out of it. The healthcare facilities staff are required to tell you how much a procedure costs and whether you are covered or not before carrying it out, if you request that information.
You can change providers later, if you are not satisfied with your insurance company. You will probably sign up for a plan for a year, as that is the standard timeframe for an Advantage plan. Once that term expires, you are free to choose another plan. You may not be able to sign up for a new plan outside of that window.
Do You Need an Advantage Plan?
We talked before about the kind of people who may require an Advantage plan. It’s important to consider your health needs and coverage needs before signing up for a coverage plan. Just because that plan is a good deal for someone you know, that doesn’t mean that it is the right choice for you. You should take some time to assess your health situation and your coverage needs before signing up for any medical insurance plan.
Advantage plans are not the best choice for everyone. There are only meant for people who have a lot of medical bills to pay and who frequent the hospital and doctor’s office. If that doesn’t sound like your situation and your health is in relatively good condition, then you should look at lower coverage plans. The advantage plans offer a ton of coverage, and that may be far too much for your needs.
Advantage plans change from time to time, so even if you don’t go with the Humana Advantage Plans for 2018, you may want to go for one later. The coverage standards can change from year to year, and your health could be changing as well, so keep up with these plans to see if one is going to be a good fit for you.