Understanding Humana Medicare Advantage in Tennessee
As a significant player in the health insurance landscape, Humana Insurance Company offers a plethora of Medicare Advantage Plans in Tennessee, including Medicare Advantage HMO options. These plans span Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Special Needs Plans (SNPs), providing a comprehensive coverage spectrum to cater to the diverse needs of Medicare beneficiaries.
What is a Medicare Advantage Plan?
Medicare Advantage Plans, also known as Part C, are an alternative to Original Medicare offered by private health plans like Humana. These plans provide the same core benefits as Original Medicare but with specific rules, costs, and restrictions that vary by plan.
They also allow for different premium amounts beyond the standard Part B premium and have varying cost-sharing models.
The key eligibility criterion for military service personnel who have served Medicare beneficiaries is enrollment in both Medicare Parts A and B and residence within the plan’s service area.
Humana’s Presence in Tennessee
With its pervasive presence across all 95 counties in Tennessee, Humana demonstrates a strong commitment to offering Medicare Advantage plans to the residents. This dedication is mirrored in their substantial membership of 166,500, supported by a robust network of esteemed value-based providers and brokers.
Furthermore, Humana’s dedication to quality and member satisfaction within Tennessee is reflected in its consistently high CMS ratings, usually 4 stars or above.
Types of Humana Medicare Advantage Plans Available
Humana offers a variety of Medicare Advantage Plans in Tennessee, including Medicare Advantage HMO PPO and Private Fee-For-Service (PFFS) options.
The HMO plans require members to utilize healthcare providers within the plan’s network for the lowest costs. On the other hand, PPO plans offer more flexibility, allowing members to see both in-network and out-of-network providers, albeit at a higher cost.
Private Fee-For-Service plans offer the flexibility to see any Medicare-approved doctor who agrees to treat the patient. Additionally, Humana may offer Special Needs Plans (SNPs) designed for individuals with certain diseases or characteristics.
Exclusive Benefits of Choosing a Humana Plan
Humana Medicare Advantage plans offer unique benefits, including additional services and potential cost savings for members. As part of their robust customer care service, Humana assists members with queries about plan materials, network providers, and limitations on healthcare services, helping them understand their coverage and benefits effectively.
Centerwell Health Care Services
Humana’s Centerwell brand focuses on telemedicine services, designed to address member concerns regarding accessibility to health care. In a bid to make telemedicine more affordable for members in Tennessee, Humana has waived out-of-pocket costs for MDLIVE consultations.
Lower Cost Preferred Pharmacies
Humana’s pharmacy network includes lower-cost preferred pharmacies where members may pay less for prescriptions. This network spans various urban, suburban, and rural areas, including pharmacies in urban areas.
However, members should consult Humana’s online pharmacy directory for up-to-date information as the lower costs advertised for these preferred pharmacies may not be available at every pharmacy.