Understanding Humana Medicare Advantage Plans in Minnesota
Navigating the healthcare landscape can be complex, especially when it comes to choosing the right Medicare Advantage plan. Humana, one of the leading providers of Medicare plans, may offer various types of Medicare Advantage plans in Minnesota, each designed to cater to the diverse needs of beneficiaries.

These include Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Private Fee-For-Service (PFFS) plans, each with distinct features and benefits.
Medicare Advantage HMO Plans
Humana’s Medicare Advantage HMO Plans in Minnesota (MD, ME, MI, MN, and other states) provide a comprehensive range of Medicare benefits.
These could include prescription drug plans and routine dental, vision, and hearing benefits. However, some of these plans may require members to use in-network providers for their healthcare needs.
While there are exceptions to this rule for members with status military or veteran in certain states, including Arizona, Florida, Illinois, Missouri, Tennessee, Nevada, California, Connecticut, DC, and Delaware, these plans are generally beneficial due to the possible lower out-of-pocket expenses and reduced premiums.
Medicare Advantage PPO Plans
Unlike HMO plans, Humana’s Medicare Advantage PPO Plans offer beneficiaries increased flexibility when choosing their healthcare providers. With Medicare Advantage HMO PPO options available, these plans allow members to:
- Select Medicare-approved physicians who agree to Humana’s plan terms and are willing to bill the plan
- Access potential additional benefits such as travel, dental, fitness programs, hearing aid savings, eyewear allowance, over-the-counter allowance, and even acupuncture.
Medicare Advantage PFFS Plans
Humana’s Medicare Advantage PFFS Plans offer the convenience of addressing beneficiaries’ Medicare needs through the Gold Choice Medicare plan, including military service personnel.
These plans could also provide possible additional benefits such as dental, vision, and hearing coverage, regardless of your gender.
The unique structure of PFFS plans offers the following benefits:
- Determining payment amounts for services at the time of care
- Offering a wider range of provider options
- Maintaining consistent costs for both in-network and out-of-network services.
The Importance of Medicare Contract Renewal
Renewing your Medicare contract is a vital step in preserving your Medicare Advantage plan. This procedure routinely updates your enrollment record, placing your health and well-being at the center of your Medicare Advantage plan.

The renewal process could impact your Humana Medicare Advantage Plan by potentially offering the opportunity to modify your plan or enroll in a new one during the Medicare Open Enrollment or Special Enrollment periods.
It may also affect the possible benefits and coverage that could be offered by some Humana Medicare Advantage Plans, leading to potential changes in plan coverage, provider networks, prescription drug coverage, and costs.
How Contract Renewal Affects Your Plan
When your contract is renewed, you might notice changes to your plan. The renewal of a Medicare contract does not have an immediate impact on your coverage, but it may lead to alterations in your plan’s premium, deductible, and coverage, potentially influencing your overall expenses.
Contract renewal might also bring about changes in provider networks, as it could lead to modifications in agreements between insurers and healthcare providers. These alterations could prompt hospitals and other providers to reconsider their participation in Medicare Advantage plans.
Preparing for Contract Renewal
To prepare for the renewal of your Humana Medicare Advantage contract, follow these steps:
- Ensure that your contact information is up to date.
- Regularly monitor your mail for any updates or alterations related to your plan.
- Keep in mind the timing of the Annual Election period, typically in October.
- Verify that your plan continues to cover the services you require.