Humana Medicare Advantage Plans Mississippi 2025

If you’re looking for Humana Medicare Advantage Plans in Mississippi for 2025, you’ve come to the right place. Our guide cuts through the complexity to present the essentials of Humana’s HMO and PPO plans, including new features, prescription coverage, and enrollment tips for the coming year.

Simple and direct, this is the information you need to make an informed decision without getting bogged down by the noise.

 

Key Takeaways

  • Humana is expanding Medicare Advantage Plans in Mississippi, offering personalized care at CenterWell facilities, and provides an array of specialized plans, including options for those with unique needs such as dual-eligibles and veterans.

 

  • Humana’s Medicare Advantage Plans cover prescription drugs, with some plans including this benefit, and have stand-alone prescription drug plans that can be paired with Medicare Advantage. Additionally, they provide lower-cost options at preferred pharmacies, especially in urban areas.

 

  • Enrollment into Humana plans is available during the Annual Enrollment Period or upon qualifying events, and members have access to extensive support services as well as additional benefits, such as worldwide emergency coverage and an over-the-counter medication allowance.

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Exploring Humana Medicare Advantage Plans in Mississippi for 2025

 

Humana Medicare Advantage Plans Mississippi 2025 Exploring Humana Medicare Advantage Plans in Mississippi for 2025

 

Humana, a leading player in the healthcare industry, consistently strives to improve access to quality care, especially for seniors. With its expansion plans in Mississippi in 2023, Humana aims to enrich the primary care experience for seniors through its comprehensive care model at CenterWell, providing personalized care plans and holistic wellness.

 

Understanding Medicare Advantage HMO vs PPO

When choosing a Medicare Advantage Plan, it’s essential to understand the difference between Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. Humana provides both options, but each has its unique features.

An HMO plan requires choosing a primary care physician and getting referrals to see specialists, while a PPO plan offers more flexibility. It allows members to see any healthcare provider that accepts the plan without requiring a referral.

 

The Importance of Medicare Contract Renewal

One crucial aspect to consider when choosing a Medicare Advantage Plan is the annual contract renewal with Medicare. This renewal can affect the availability and specifics of Humana’s plans, as the Humana plan depends on the contract renewal.

It’s important to remember that enrollment in Humana Medicare Advantage Plans is contingent on this annual contract renewal.

 

Navigating Prescription Drug Coverage

 

Humana Medicare Advantage Plans Mississippi 2025 Navigating Prescription Drug Coverage

 

Prescription drug coverage is an essential part of any healthcare plan. Humana’s Medicare Advantage plans in Mississippi may include prescription drug coverage as part of the plan benefits.

However, the specific costs, coverage, and benefits of prescription drug coverage can vary based on location within Mississippi.

 

Stand-Alone Prescription Drug Plan Options

In addition to the integrated prescription drug coverage in some plans, Humana also provides stand-alone prescription drug plans. These plans can be combined with Medicare Advantage Plans, offering an added layer of flexibility for Mississippi residents.

Moreover, enrollees can utilize Humana’s online pharmacy directory to find preferred pharmacies with lower-cost options compared to other providers.

 

Lower Cost Preferred Pharmacies in Urban Areas

Humana’s network includes lower-cost preferred pharmacies in urban areas of Mississippi, which can offer more affordable prices for prescription drugs. However, it’s essential to note that these lower costs may not be available at all pharmacy locations accessed by plan members.

 

Specialized Plans for Unique Needs

Humana recognizes that healthcare needs vary greatly among individuals. Therefore, they offer an array of specialized Medicare Advantage Plans to cater to the unique healthcare needs of diverse Medicare beneficiaries, including served Medicare beneficiaries.

This includes Medicare Advantage members with Dual Eligible Special Needs Plans (D-SNPs) for those eligible for both Medicare and Medicaid, as well as plans designed in partnership with USAA for military service personnel and veterans.

 

Dual Eligible Special Needs Plans

Humana offers Dual-Eligible Special Needs Plans (D-SNPs) designed to simplify the healthcare experience for individuals who qualify for both Medicare and Medicaid. These specialized plans aim to streamline the coordination of benefits and services for dual-eligible individuals.

 

Humana USAA Honor Plans

Humana’s commitment to serving veterans and their families is evident in its partnership with USAA. Humana USAA Honor Plans are specifically designed to meet the healthcare needs of military service personnel and veterans.

These all-inclusive plans offer a range of health and wellness benefits within the plan’s network and include benefits for using VA facilities.

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Humana’s Network and Worldwide Emergency Coverage

Understanding the scope of your healthcare provider’s network and the coverage they offer, especially during emergencies, is crucial. Humana’s network in Mississippi and its worldwide emergency coverage are designed to ensure members have access to quality healthcare services whenever and wherever they need them.

 

The Scope of Humana’s Network in Mississippi

 

Humana Medicare Advantage Plans Mississippi 2025 Humana's Network and Worldwide Emergency Coverage

 

Humana’s network of healthcare providers in Mississippi is continually evolving. It’s imperative to confirm the current validity of network providers either by contacting Humana customer service or using the online directory provided on the Humana website.

Humana offers Medicare Advantage HMO, PPO, and PFFS plans in Mississippi, each with its network of providers to access healthcare services.

 

Benefits of Worldwide Emergency Coverage

Humana’s worldwide emergency coverage is a significant benefit for individuals who travel, offering essential medical services support regardless of geographical location. The coverage ensures that travelers do not have to avoid seeking necessary medical attention due to concerns over out-of-network costs, thanks to the extensive Humana network.

From accessing emergency care services when out of the network area to being reimbursed for eligible emergency medical expenses incurred while traveling outside of the United States, Humana’s worldwide emergency coverage has travelers covered.

 

Financial Aspects of Choosing a Humana Plan

Choosing a healthcare plan involves a careful financial evaluation. Understanding costs such as premiums, co-pays, and out-of-pocket maximums can help you make an informed decision about which plan best fits your budget.

 

Understanding Your Medicare Part B Premium

When enrolling in a Humana Medicare Advantage Plan, it’s important to remember that this does not eliminate the need to pay the Medicare Part B premium. This cost is in addition to any premiums associated with Humana plans.

 

Saving with Humana’s Preferred Cost Share Pharmacies

 

Humana Medicare Advantage Plans Mississippi 2025 Financial Aspects of Choosing a Humana Plan

 

Choosing pharmacies within Humana’s preferred cost share network can lead to substantial savings on prescription drug costs. These preferred pharmacies often offer lower costs for prescription drugs compared to non-preferred pharmacies.

Enrollment Services

Enrolling in a Humana Medicare Advantage Plan is a significant step toward managing your healthcare needs. Understanding the enrollment process and the support services available to you can ensure a smooth transition into your new plan.

 

Steps to Enroll in a Humana Plan in Mississippi

Mississippi residents have several options for enrolling in a Humana Medicare Advantage Plan. They can choose to enroll during the Annual Enrollment Period (AEP) from October 15 to December 7, or they may enroll if they experience a qualifying event outside the AEP. Enrollment can be completed online through the Humana website, by calling Humana directly, or by submitting a paper enrollment form.

 

Accessing Humana Insurance Services

Once enrolled, Humana members have access to a range of support services. These include:

  • Customer support through phone, online chat, email

 

  • Managing accounts through the secure Humana member portal or mobile app

 

  • Assistance with questions regarding plan benefits, claims, billing, and finding in-network providers.

 

Community Impact and Additional Benefits

Humana’s commitment extends beyond providing healthcare coverage. They also participate in community outreach and offer additional benefits that contribute to the overall well-being of their members.

 

CenterWell Health Care Services

CenterWell Senior Primary Care, part of Humana’s brand, is expanding its reach in Mississippi and the NJ, NY, OH region. The healthcare provider focuses on the primary care needs of seniors, employing board-certified physicians and care teams that develop personalized health plans to achieve optimal health for each senior patient.

 

Extra Benefits Beyond Medical Coverage

Humana goes above and beyond by offering additional benefits beyond standard medical coverage. One such benefit is the over-the-counter (OTC) allowance, which allows members to purchase OTC medications and health-related items such as:

  • Pain relievers

 

  • Allergy medication

 

  • Vitamins and supplements

 

  • First aid supplies

 

  • Personal care items

 

This OTC allowance can help members save money on essential health products.

This enhancement in healthcare experience supports self-care, preventative health measures, and putting health first.

Summary

Navigating the healthcare landscape can be complex, but with the right guidance and information, you can make informed decisions that best serve your healthcare needs. Humana’s Medicare Advantage Plans in Mississippi offer a variety of plan options, additional benefits, and support services to help you manage your health and wellness.


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Frequently Asked Questions

 

What is new with Humana in 2025?

In 2025, all Humana Medicare Advantage plans now include dental, vision, and hearing benefits, offering enhanced coverage options for beneficiaries.

 

What is the deductible for Humana in 2025?

In 2025, the deductible for Humana varies depending on the drug tier. Tier 1 and Tier 2 have a $0 deductible, while Tier 3, Tier 4, and Tier 5 drugs have a $545 deductible. After reaching the deductible, you only pay your cost-share.

 

What is the difference between Humana’s HMO and PPO plans?

The main difference between Humana’s HMO and PPO plans is that an HMO requires a primary care physician and referrals for specialists, while a PPO allows members to see any healthcare provider without referrals.

 

What is the significance of the annual Medicare contract renewal?

The annual Medicare contract renewal is significant because it can affect the availability and specifics of Humana’s plans, and enrollment in their Medicare Advantage Plans depends on it.

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Compare Medicare Plans

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Speak with a licensed insurance agent

1-844-350-0776
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Mon-Fri : 8am-9pm ET