Humana Medicare Decision Guide
HumanaMedicareDecision GuideY0040 GHHKMFUEN MMA Decision Guide Y0040 GHHKMFUEN M Final.indd 18/24/21 1:17 PM
Humana is a healthcare company,and we have plans for youHumana is going beyond insurance to become your partner inhealth. We strive to provide more than just your health insuranceplan. We’ll help you select the right Humana Medicare plan for yourneeds, and we’re here to help you on your health journey.G i ve u s a ca l l n ow t o ta l k w i t h a l i c en s edH u m a n a s a l es a g ent .Call 1-855-211-6292 (TTY: 711) 5 a.m. - 8 p.m., dailyor visit HumanaMedicare.com Millions of Medicare members have selected Humana.1With 60 years in the healthcare industry, Humanais a Fortune 100 company you can trust. We work hard to help you potentially save on healthcare.Humana offers Medicare plans with affordable monthlypremiums. In 2020, Humana Medicare Advantage andPrescription Drug plan members saved an estimated 8,400 on average on their prescription drug costs.2If you’re newly eligible, qualify for a Special Enrollment Period (SEP),or are looking at plans during the Annual Enrollment Period (AEP),Humana can help. We have a variety of Medicare options to ft yourlifestyle and your budget.C all a li censed Hu m ana sal e s ag e n t t o d ay .Call 1-800-336-6759 (TTY: 711) 5 a.m. - 8 p.m.,daily or visit HumanaMedicare.comHumana Inc. First Quarter 2021 Earnings Release 4-28-20212020 Humana Member Savings Report. This report estimatesaverage member savings by comparing the usual andcustomary pharmacy prices for prescription drugs purchasedwithout insurance to an average member’s out-of-pocket costsand premiums for prescription drugs covered by their plan.122MA Decision Guide Y0040 GHHKMFUEN M Final.indd 2Humana Inc. First Quarter 2021 Earnings Release 4-28-20212020 Humana Member Savings Report. This report estimatesaverage member savings by comparing the usual andcustomary pharmacy prices for prescription drugs purchasedwithout insurance to an average member’s out-of-pocket costsand premiums for prescription drugs covered by their plan.Costs, coverage, and benefits vary by location.Humana is a Medicare Advantage HMO, PPO and PFFS organizationand a stand-alone PDP prescription drug plan with a Medicarecontract. Enrollment in any Humana plan depends on contractrenewal.At Humana, it is important you are treated fairly. Humana Inc.and its subsidiaries comply with applicable Federal Civil Rightslaws and do not discriminate on the basis of race, color, nationalorigin, age, disability, sex, sexual orientation, gender, genderidentity, ancestry, marital status or religion.English: ATTENTION: If you do not speak English, language assistanceservices, free of charge, are available to you. Call 1-877-320-1235 (TTY: 711).Espa ol (Spanish): ATENCIÓN: Si habla espa ol, tiene a su disposici nservicios gratuitos de asistencia ling stica. Llame al 1-877-320-1235 (TTY:711).(Chinese):1-877-320-1235 (TTY: 711).12118/24/21 1:17 PM
Mark your calendarUnless you have a special qualifying circumstance, there are onlya few times a year when you can select a new Medicare plan orswitch between plans.Do you qualify for Medicare?You could qualify for Medicare coverage if you are 65 or older orqualify due to a disability.Seven-month Initial Enrollment Period (IEP)What is Medicare?Three months beforeyour 65th birthdayThe month of your65th birthdayThree months afteryour 65th birthdayMedicare is a federal health insurance program for U.S.citizens and legal residents who are 65 and older or qualifydue to a disability. You can receive your Medicare Part A andPart B benefts through the federal government or a privateinsurance company.Do you have Medicare Parts A and B?Medicare Annual Enrollment Period (AEP)OCTNOVDE CEnroll October 15 –December 7, 2021JANPA RTS A AN D BCoverage beginsJanuary 1, 2022Do you qualify for a Special Enrollment Period (SEP)?This period is based on certain qualifying conditions. These caninclude losing plan or group coverage, moving from your plan’sservice area or having both Medicare and Medicaid coverage. If youqualify, you can enroll in a Medicare Advantage plan—even outsideof the Annual Enrollment Period.10Original Medicare, offered by the federalgovernment.Call now to apply 1-855-211-6292 (TTY: 711)MA Decision Guide Y0040 GHHKMFUEN M Final.indd 3PA RT CPA RT DCovers much of your medical care butnot all of it, and you pay a deductible andcoinsurance when you use them. That may bewhy many people buy coverage with beneftsbeyond those included in Original Medicare.Medicare Advantage, offered throughprivate insurance companies.Medicare prescription drug plan, offeredby private companies.Call now to apply 1-800-336-6759 (TTY: 711)38/24/21 1:17 PM
Ask yourself important questionsMake a better decision by understanding what’s most importantto you.What matters most to me?Before reviewing our available plans, you may want to considerwhat factors in the decision-making process matter the mostto you. Are you: Concerned about cost? Looking for prescription drug coverage? Want the freedom to choose your own doctors?Why do I need more than Original Medicare?Original Medicare covers hospital stays, doctor visits and outpatientvisits—but not the full cost. For instance, after paying the deductible: Original Medicare covers only 80 percent of approvedhealthcare costs, leaving you responsible for the remaining20 percent. Original Medicare doesn’t cover other medical services you mightneed, such as prescription drugs, vision, dental and hearing.How can I get help with uncovered expenses? A Humana Medicare Advantage plan goes even further,generally covering more medical services at an affordablepremium cost. Depending on where you live, you may be able to combinemedical, prescription drug, and basic dental coverage in aconvenient all-in-one Medicare Advantage plan from Humana. A stand-alone prescription drug plan helps cover the cost ofprescription drugs, which Medicare does not. In most cases,you cannot be enrolled in both a Medicare Advantage planand a stand-alone prescription drug plan at the same time.4Call now to apply 1-800-336-6759 (TTY: 711)MA Decision Guide Y0040 GHHKMFUEN M Final.indd 4Seven reasons why you shouldchoose Humana for your MedicareAdvantage health plan1 . P E AC E O F M I N DWith a Humana Medicare Advantage plan, you get more than justhealth insurance. With many Humana Medicare Advantage plansyou also get access to extra benefts and services designed to helpyou live a fuller, healthier, more active life.2 . MORE C OV ER AG ECombine all the benefts of Original Medicare with options to addprescription drug, dental and vision coverage in many areas.3 . E XTRA B EN EF I T S & S ERV I C ESMost plans include extras like ftness programs, preventive services,worldwide coverage for emergency care when you travel, healtheducation programs - plus more!4 . C OMP ET I T I V E PR I C I N GHumana offers a range of plans with affordable monthly planpremiums to ft your needs and budget.5 . E A S Y-TO - U S E PL AN SWith most Humana Medicare Advantage plans, prescription drugcoverage is usually built in. All questions can be answered from aknowledgeable Humana sales representative with a call to one number.6 . P ROVE N T R U S T WO RT H YHumana is going beyond insurance to become your partner inhealth. Humana is a Fortune 100 company with 60 years in thehealthcare industry.7 . I MP RE S S I V E SAV I N G SIn 2020, Humana Medicare Advantage and prescription drugplan members saved an estimated 8,400 on average on theirprescription drug costs.2Call now to apply 1-855-211-6292 (TTY: 711)98/24/21 1:17 PM
Look for a plan that’s right for youWe can help you fnd a Humana Medicare plan that fts your healthand wellness needs and your budget.Prescription Drug Coverage (Part D) Potential savings, with affordable monthly plan premiums You can enroll as a stand-alone plan or as part of a MedicareAdvantage Prescription Drug (MAPD) plan Mail-delivery convenience: Save time with prescriptions shippeddirectly to your door SmartSummary Rx : Personalized statement that summarizesyour prescription drug spendingWe know Medicare can be confusing at times. The more youunderstand how the program works, the easier it will be for youto know which plan is best for your needs. In this 2021 HumanaMedicare Decision Guide, you’ll fnd valuable information to helpyou choose the Medicare plan that’s right for you.Give us a call Knowledgeable licensed Humana sales agents are just a phonecall away to provide help or answer questions When you’re ready to enroll, our licensed Humana sales agentsare ready to help you through every step of the processH a v e q u es t i on s ? R ea d y t o en r ol l ?Have qu esti o ns? Ready to e n ro l l ?Call 1-855-211-6292 (TTY: 711) 5 a.m. - 8 p.m., dailyor visit HumanaMedicare.com8MA Decision Guide Y0040 GHHKMFUEN M Final.indd 5Call 1-800-336-6759 (TTY: 711) 5 a.m. - 8 p.m.,daily or visit HumanaMedicare.com58/24/21 1:17 PM
Make the most of your Humana planWith Humana Medicare Advantage plans, you get morethan just health insurance. You also get programs and toolsdesigned to help you live a fuller, healthier, more active life.Here’s what you could enjoy with a Humana MedicareAdvantage plan .Original MedicareHumana MedicareAdvantage plansmay include*Doctor visits andpreventive servicesHospital staysPart D prescriptiondrug beneftsWorldwide emergencycoverage when you travelHealth and wellnessprogramsMaximum out-of-pocketprotectionHumana Medicare Advantage plansGet all the benefts of Original Medicare, plus options to addprescription drug, dental and vision coverage in many areas allfor an affordable monthly plan premium.Added services and benefts to support your well-being.Many plans include:C A R EG I V ER S U PPO RT R ES O U RC ESResources for those who care for othersMA I L - D EL I V ERY PH AR M AC I ES W I T HP R EF ER R ED C O S T S H AR I N GConvenience and potential savingsS I LV ER S N EAK ER S F I T N ES S PRO G R AMStay active with gym membership and accessto more than 15,000 ftness centers nationwideG o3 6 5 BY H U M AN AGet rewarded for making healthier choicesDental, vision and hearingcoverage in many areas 0 copay for manypreventive services,including annualphysicals and necessaryvaccinationsKnowledgeable, licensedsales agents to answerquestions and help youenrollG i ve u s a ca l l n ow t o ta l k w i t h a l i c en s edH u m a n a s a l es a g ent .Call 1-855-211-6292 (TTY: 711) 5 a.m. - 8 p.m., dailyor visit HumanaMedicare.com*This information is not a complete description of benefits.Benefits vary by area and not all benefits listed are availableon every plan. Humana also offers Medicare Advantage plansthat do not include prescription drug coverage.6Call now to apply 1-800-336-6759 (TTY: 711)MA Decision Guide Y0040 GHHKMFUEN M Final.indd 678/24/21 1:17 PM
Make the most of your Humana planWith Humana Medicare Advantage plans, you get morethan just health insurance. You also get programs and toolsdesigned to help you live a fuller, healthier, more active life.Here’s what you could enjoy with a Humana MedicareAdvantage plan .Original MedicareHumana MedicareAdvantage plansmay include*Doctor visits andpreventive servicesHospital staysPart D prescriptiondrug beneftsWorldwide emergencycoverage when you travelHealth and wellnessprogramsMaximum out-of-pocketprotectionHumana Medicare Advantage plansGet all the benefts of Original Medicare, plus options to addprescription drug, dental and vision coverage in many areas allfor an affordable monthly plan premium.Added services and benefts to support your well-being.Many plans include:C A R EG I V ER S U PPO RT R ES O U RC ESResources for those who care for othersMA I L - D EL I V ERY PH AR M AC I ES W I T HP R EF ER R ED C O S T S H AR I N GConvenience and potential savingsS I LV ER S N EAK ER S F I T N ES S PRO G R AMStay active with gym membership and accessto more than 15,000 ftness centers nationwideG o3 6 5 BY H U M AN AGet rewarded for making healthier choicesDental, vision and hearingcoverage in many areas 0 copay for manypreventive services,including annualphysicals and necessaryvaccinationsKnowledgeable, licensedsales agents to answerquestions and help youenrollG i ve u s a ca l l n ow t o ta l k w i t h a l i c en s edHu m a n a s a l es a g en t .Call 1-800-336-6759 (TTY: 711) 5 a.m. - 8 p.m.,daily or visit HumanaMedicare.com*This information is not a complete description of benefits.Benefits vary by area and not all benefits listed are availableon every plan. Humana also offers Medicare Advantage plansthat do not include prescription drug coverage.6Call now to apply 1-855-211-6292 (TTY: 711)MA Decision Guide Y0040 GHHKMFUEN M Final.indd 678/24/21 1:17 PM
Look for a plan that’s right for youWe can help you fnd a Humana Medicare plan that fts your healthand wellness needs and your budget.Prescription Drug Coverage (Part D) Potential savings, with affordable monthly plan premiums You can enroll as a stand-alone plan or as part of a MedicareAdvantage Prescription Drug (MAPD) plan Mail-delivery convenience: Save time with prescriptions shippeddirectly to your door SmartSummary Rx : Personalized statement that summarizesyour prescription drug spendingWe know Medicare can be confusing at times. The more youunderstand how the program works, the easier it will be for youto know which plan is best for your needs. In this 2021 HumanaMedicare Decision Guide, you’ll fnd valuable information to helpyou choose the Medicare plan that’s right for you.Give us a call Knowledgeable licensed Humana sales agents are just a phonecall away to provide help or answer questions When you’re ready to enroll, our licensed Humana sales agentsare ready to help you through every step of the processH ave q u es t i on s ? Rea d y t o en rol l ?Ha ve qu esti o ns? R eady to e n ro l l ?Call 1-800-336-6759 (TTY: 711) 5 a.m. - 8 p.m.,daily or visit HumanaMedicare.com8MA Decision Guide Y0040 GHHKMFUEN M Final.indd 5Call 1-855-211-6292 (TTY: 711) 5 a.m. - 8 p.m., dailyor visit HumanaMedicare.com58/24/21 1:17 PM
Ask yourself important questionsMake a better decision by understanding what’s most importantto you.What matters most to me?Before reviewing our available plans, you may want to considerwhat factors in the decision-making process matter the mostto you. Are you: Concerned about cost? Looking for prescription drug coverage? Want the freedom to choose your own doctors?Why do I need more than Original Medicare?Original Medicare covers hospital stays, doctor visits and outpatientvisits—but not the full cost. For instance, after paying the deductible: Original Medicare covers only 80 percent of approvedhealthcare costs, leaving you responsible for the remaining20 percent. Original Medicare doesn’t cover other medical services you mightneed, such as prescription drugs, vision, dental and hearing.How can I get help with uncovered expenses? A Humana Medicare Advantage plan goes even further,generally covering more medical services at an affordablepremium cost. Depending on where you live, you may be able to combinemedical, prescription drug, and basic dental coverage in aconvenient all-in-one Medicare Advantage plan from Humana. A stand-alone prescription drug plan helps cover the cost ofprescription drugs, which Medicare does not. In most cases,you cannot be enrolled in both a Medicare Advantage planand a stand-alone prescription drug plan at the same time.4Call now to apply 1-855-211-6292 (TTY: 711)MA Decision Guide Y0040 GHHKMFUEN M Final.indd 4Seven reasons why you shouldchoose Humana for your MedicareAdvantage health plan1 . P E AC E O F M I N DWith a Humana Medicare Advantage plan, you get more than justhealth insurance. With many Humana Medicare Advantage plansyou also get access to extra benefts and services designed to helpyou live a fuller, healthier, more active life.2 . MORE C OV ER AG ECombine all the benefts of Original Medicare with options to addprescription drug, dental and vision coverage in many areas.3 . E XTRA B EN EF I T S & S ERV I C ESMost plans include extras like ftness programs, preventive services,worldwide coverage for emergency care when you travel, healtheducation programs - plus more!4 . C OMP ET I T I V E PR I C I N GHumana offers a range of plans with affordable monthly planpremiums to ft your needs and budget.5 . E A S Y-TO - U S E PL AN SWith most Humana Medicare Advantage plans, prescription drugcoverage is usually built in. All questions can be answered from aknowledgeable Humana sales representative with a call to one number.6 . P ROVE N T R U S T WO RT H YHumana is going beyond insurance to become your partner inhealth. Humana is a Fortune 100 company with 60 years in thehealthcare industry.7 . I MP RE S S I V E SAV I N G SIn 2020, Humana Medicare Advantage and prescription drugplan members saved an estimated 8,400 on average on theirprescription drug costs.2Call now to apply 1-800-336-6759 (TTY: 711)98/24/21 1:17 PM
Mark your calendarUnless you have a special qualifying circumstance, there are onlya few times a year when you can select a new Medicare plan orswitch between plans.Do you qualify for Medicare?You could qualify for Medicare coverage if you are 65 or older orqualify due to a disability.Seven-month Initial Enrollment Period (IEP)What is Medicare?Three months beforeyour 65th birthdayThe month of your65th birthdayThree months afteryour 65th birthdayMedicare is a federal health insurance program for U.S.citizens and legal residents who are 65 and older or qualifydue to a disability. You can receive your Medicare Part A andPart B benefts through the federal government or a privateinsurance company.Do you have Medicare Parts A and B?Medicare Annual Enrollment Period (AEP)OCTNOVDE CEnroll October 15 –December 7, 2021JANPA RTS A AN D BCoverage beginsJanuary 1, 2022Do you qualify for a Special Enrollment Period (SEP)?This period is based on certain qualifying conditions. These caninclude losing plan or group coverage, moving from your plan’sservice area or having both Medicare and Medicaid coverage. If youqualify, you can enroll in a Medicare Advantage plan—even outsideof the Annual Enrollment Period.10Original Medicare, offered by the federalgovernment.Call now to apply 1-800-336-6759 (TTY: 711)MA Decision Guide Y0040 GHHKMFUEN M Final.indd 3PA RT CPA RT DCovers much of your medical care butnot all of it, and you pay a deductible andcoinsurance when you use them. That may bewhy many people buy coverage with beneftsbeyond those included in Original Medicare.Medicare Advantage, offered throughprivate insurance companies.Medicare prescription drug plan, offeredby private companies.Call now to apply 1-855-211-6292 (TTY: 711)38/24/21 1:17 PM
Humana is a healthcare company,and we have plans for youHumana is going beyond insurance to become your partner inhealth. We strive to provide more than just your health insuranceplan. We’ll help you select the right Humana Medicare plan for yourneeds, and we’re here to help you on your health journey.G i ve u s a ca l l n ow t o ta l k w i t h a l i c en s edHu m a n a s a l es a g ent .Call 1-800-336-6759 (TTY: 711) 5 a.m. - 8 p.m.,daily or visit HumanaMedicare.com Millions of Medicare members have selected Humana.1With 60 years in the healthcare industry, Humanais a Fortune 100 company you can trust. We work hard to help you potentially save on healthcare.Humana offers Medicare plans with affordable monthlypremiums. In 2020, Humana Medicare Advantage andPrescription Drug plan members saved an estimated 8,400 on average on their prescription drug costs.2If you’re newly eligible, qualify for a Special Enrollment Period (SEP),or are looking at plans during the Annual Enrollment Period (AEP),Humana can help. We have a variety of Medicare options to ft yourlifestyle and your budget.Call a li censed Hum ana sal e s ag e nt t o d ay .Call 1-855-211-6292 (TTY: 711) 5 a.m. - 8 p.m., dailyor visit HumanaMedicare.comHumana Inc. First Quarter 2021 Earnings Release 4-28-20212020 Humana Member Savings Report. This report estimatesaverage member savings by comparing the usual andcustomary pharmacy prices for prescription drugs purchasedwithout insurance to an average member’s out-of-pocket costsand premiums for prescription drugs covered by their plan.122MA Decision Guide Y0040 GHHKMFUEN M Final.indd 2Humana Inc. First Quarter 2021 Earnings Release 4-28-20212020 Humana Member Savings Report. This report estimatesaverage member savings by comparing the usual andcustomary pharmacy prices for prescription drugs purchasedwithout insurance to an average member’s out-of-pocket costsand premiums for prescription drugs covered by their plan.Costs, coverage, and benefits vary by location.Humana is a Medicare Advantage HMO, PPO and PFFS organizationand a stand-alone PDP prescription drug plan with a Medicarecontract. Enrollment in any Humana plan depends on contractrenewal.At Humana, it is important you are treated fairly. Humana Inc.and its subsidiaries comply with applicable Federal Civil Rightslaws and do not discriminate on the basis of race, color, nationalorigin, age, disability, sex, sexual orientation, gender, genderidentity, ancestry, marital status or religion.English: ATTENTION: If you do not speak English, language assistanceservices, free of charge, are available to you. Call 1-877-320-1235 (TTY: 711).Espa ol (Spanish): ATENCIÓN: Si habla espa ol, tiene a su disposici nservicios gratuitos de asistencia ling stica. Llame al 1-877-320-1235 (TTY:711).(Chinese):1-877-320-1235 (TTY: 711).12118/24/21 1:17 PM
HumanaMedicareDecision GuideY0040 GHHKMFUEN MMA Decision Guide Y0040 GHHKMFUEN M Final.indd 18/24/21 1:17 PM
With most Humana Medicare Advantage plans, prescription drug coverage is usually built in. All questions can be answered from a knowledgeable Humana sales representative with a call to one number. 6. PROVEN TRUSTWORTHY Humana is going beyond insurance to become your partner in health. Humana is a Fortune 100 company with 60 years in the
Humana Plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana
MyHumana at Humana.com or by calling 1-800-233-4013. Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., Humana Medical
Why choose a Humana network provider? Humana Medicare PPO network providers must take payment from Humana for treating plan members. Network providers coordinate with Humana, which makes it easier to share information. Patients may have a better experience when providers share information this way. Humana supplies in-network .
Centers for Medicare & Medicaid Services National Train‐the‐Trainer Workshops Instructor Information Sheet Module 1: Understanding Medicare Module Description Original Medicare, Medicare Advantage and Other Medicare Health Plans, and Medicare Prescription Drug Coverage are choices in the Medicare program.
Medicare 101: The Basics of Medicare. . Original Medicare, Medicare Advantage, and Medicare Cost plans Other COVID-19 related benefits are available if Medicare guidelines are met Those who are in a Medicare Advantage Plan should check . PowerPoint Presentation Author:
sponsors the group Humana Medicare Advantage plan or Medicare Part D prescription drug plan. Instead, with the help of a OneExchange Licensed Benefit Advisor, retirees enrolled in both Medicare Parts A and B should have selected a Medicare Advantage plan or a Medigap (Medicare Supplement) Plan and a Medicare D prescription drug plan using the
Page 2 of 16 Thank you for your interest in the Humana Medicare Employer PPO Plan. Our plan is offered by Humana Health Insurance Company of Florida, Inc., Humana Insura
Biographies . Carlos ALVAREZ OECD D EVELOPMENT C ENTRE Deputy Director Carlos Alvarez is Deputy Director of the Development Centre of the OECD since 2010. He has developed his professional career in the field of competitiveness and innovation policies, holding positions of highest responsibility for the Government of Chile, among them, Vice Minister of Economy (20042006) and Executive Vice .
