Humana Medicare Advantage Plans Tennessee 2025

Are you weighing your options for Humana Medicare Advantage plans in Tennessee for 2025?

This no-nonsense guide will help you navigate through Humana’s latest offerings, eligibility rules, and the enrollment process for “Humana Medicare Advantage plans Tennessee 2025.” Quickly compare plan types, learn about additional benefits, and grasp the cost structures so you can confidently secure your health coverage for 2025.

 

Key Takeaways

  • Humana Insurance Company offers a variety of Medicare Advantage Plans in Tennessee, including HMO, PPO, PFFS, and SNPs, catering to a broad spectrum of healthcare needs and preferences among Medicare beneficiaries.

 

  • Humana Medicare Advantage plans in Tennessee may provide additional benefits for enrollees.

 

  • Eligibility for Humana Medicare Advantage Plans requires enrollment in both Medicare Parts A and B, and residence within the plan’s service area, with enrollment periods including Initial, Annual, and Special Enrollment Periods for qualifying life events.

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Understanding Humana Medicare Advantage in Tennessee

 

Humana Medicare Advantage Plans Tennessee 2025 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 Tennessee 2025 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.

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Enrollment and Eligibility Criteria

 

Humana Medicare Advantage Plans Tennessee 2025 Enrollment and Eligibility Criteria

 

To be eligible for a Humana Medicare Advantage Plan, individuals must be enrolled in both Medicare Part A and Part B and must reside in the service area of the specific Humana plan they wish to enroll in.

The enrollment periods for signing up for a Medicare Advantage Plan include the Initial Enrollment Period, the Annual Election Period (October 15 to December 7), and Special Enrollment Periods for those who experience qualifying life events.

 

Steps to Enroll in a Humana Medicare Advantage Plan

Medicare beneficiaries in Tennessee can enroll in a 5-star Humana plan during the Annual Election Period, which runs from October 15 to December 7, with coverage beginning on January 1.

To enroll in a Humana Medicare Advantage Plan, beneficiaries can use the online zip code box on this page or call an agent.

 

Understanding Dual Eligible Special Needs Plans

Dual Eligible Special Needs Plans (D-SNPs) are designed for individuals who qualify for both Medicare and Medicaid. Humana offers Dual Eligible Special Needs Plans that provide coordinated care and benefits tailored to the needs of dual-eligible beneficiaries.

 

Contract Renewal Considerations

Enrollment in Humana’s Medicare Advantage Plans in Tennessee depends on the ongoing Medicare contract renewal between Humana and Medicare. Upon contract renewal, Humana members may experience changes in plan benefits and availability.

Therefore, Humana advises members to review their plans annually during the Annual Election Period to understand any alterations resulting from contract renewals.

 

Comparing Humana Medicare Advantage Plans

 

Humana Medicare Advantage Plans Tennessee 2025 Comparing Humana Medicare Advantage Plans

 

Before enrolling, individuals are advised to carefully evaluate the various plan options, their associated costs, and the coverage specifics to ensure they select a plan that aligns with their healthcare needs.

Plan renewals can result in changes to the available network of healthcare providers, the choice of pharmacies, and the overall costs linked to the plan, which may affect the member’s experience and expenses. It’s important to consider other providers as well when making a decision.

 

HMO vs. PPO: What’s Right for You?

Humana’s HMO plans require members to select a primary care physician and obtain referrals to see specialists. On the other hand, Humana’s PPO plans offer greater flexibility by allowing members to see providers outside of the network without a referral, though this may entail higher costs.

Understanding these differences can help you decide which plan type suits your healthcare needs best.

 

Prescription Drug Coverage Comparison

Humana Medicare Advantage plans in Tennessee often include prescription drug coverage as part of the plan’s benefits. However, the formulary, which is the list of covered medications, as well as cost-sharing details such as copays and coinsurance, can vary significantly between different Humana Medicare Advantage plans.

For Humana Medicare Advantage enrollees whose plans do not include Part D coverage, they have the option to join a stand-alone prescription drug plan to get prescription drug benefits.

 

Evaluating Additional Benefits

Medicare Advantage Plans may include additional benefits not covered by Original Medicare, such as:

  • Dental

 

  • Vision

 

  • Hearing services

 

However, the availability and extent of Humana’s additional benefits may differ by plan and location.

 

Resources and Support for Humana Members

Humana members have access to a wealth of resources to manage their healthcare plans and services. The MyHumana website offers personalized plan information that includes benefits, claims data, and health and wellness tools tailored to the member’s needs.

Furthermore, Humana’s online tools help members by providing cost estimates for healthcare services and facilitating the search for nearby healthcare providers.

 

Educational Workshops and Events

Humana hosts several types of educational events including seminars, health fairs, and Q&A sessions to provide information on Medicare options. Benefits of attending Humana’s educational workshops include personalized information, expert insights on Medicare, and guidance on managing health care needs with Humana plans.

Humana offers various ways to participate in educational events, such as in-person workshops in local areas or through online webinars for those who prefer or require remote access.

 

Online Tools and Apps

Humana offers a mobile app for plan members with the following features:

  • Access to health plan information

 

  • View claims

 

  • Locate in-network providers within the Humana network

 

  • Check coverage specifics

 

  • Track spending

 

  • Handle prescription refills and orders

 

The mobile app allows members to conveniently manage their health plan, putting health at the forefront of their priorities.

 

Summary

In conclusion, Humana’s Medicare Advantage Plans in Tennessee provide an array of options to cater to various healthcare needs. With its strong commitment to quality care and member satisfaction, Humana ensures a comprehensive healthcare experience for its members.

The rich selection of plans, a diverse range of additional benefits, and robust customer support make Humana a preferred choice for Medicare Advantage Plans in Tennessee.

 


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Frequently Asked Questions

 

Can I enroll in a Humana Medicare Advantage Plan at any time?

No, enrollment in Humana Medicare Advantage Plans is limited to specific periods: the Initial Enrollment Period when you first become eligible for Medicare, the Annual Election Period from October 15 to December 7, and Special Enrollment Periods for those experiencing certain life events that qualify for a change in coverage.

 

What types of Medicare Advantage Plans does Humana offer in Tennessee?

Humana offers Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS) Medicare Advantage Plans in Tennessee, providing a range of options to suit different member needs and preferences.

 

How does Humana’s PPO plan differ from its HMO plan?

Humana’s HMO plan requires a primary care physician and referrals for specialists, while the PPO plan offers more flexibility to see providers outside the network without referrals, with potential extra costs.

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Compare Medicare Plans

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Speak with a licensed insurance agent

1-844-709-9937
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Mon-Fri : 8am-9pm ET