Humana Medicare-Something to Fit Every Need

Humana Medicare help those who qualify for traditional Medicare plans make the most of their healthcare dollar. These plans make health coverage simple and affordable.

Humana offers a wide range of choices and can help find the plan that will work best for you. Plans range from Advantage plans to Medigap to supplement the traditional coverage you already have.

You can choose from PFFS (Private Fee For Service), HMO (Health Maintenance Organization), PPO (Preferred Provider Organization) or even a special needs plan tailored to your specific needs.

Humana Medicare PFFS (Private Fee For Service) coverage is a good choice if flexibility is an important factor in your health insurance decision. With this plan, you can see virtually any doctor you choose. There is no list of network providers and there is no need for referrals with this plan. You have flexibility in deciding where you receive your care as well.

Humana Gold Choice PFFS

Flexible, affordable Private Fee-for-Service coverage

Humana Gold Choice® is a Medicare Advantage Private Fee-for-Service (PFFS) plan. That means you can see almost any doctor you choose, as long as the provider accepts.

Most Humana Gold Choice Private Fee-for-Service plans combine all the benefits of Original Medicare, prescription drug coverage and many extras into one simple, easy-to-use plan.

How the Humana Gold Choice PFFS plan works

With Humana Gold Choice, you may enjoy:

• Prescription drug coverage equal to or better than the standard requirement for a Medicare Part D plan
• Coverage for all the most commonly prescribed drugs for seniors*
• An affordable monthly plan premium
• No copayment for preventive services, including cancer screenings and routine immunizations

Original Medicare benefits and more

With most Humana Gold Choice plans, you receive all the benefits of Original Medicare and more, including:

• Prescription drug coverage
• Hospitalization coverage
• Emergency coverage when you travel outside the United States

Unlike Original Medicare, you pay a fixed copayment for your doctor and inpatient hospital for covered services, so you can easily budget your healthcare expenses - no need to worry about high, unexpected medical bills.

Your doctors and Humana Gold Choice

Humana Gold Choice plans are a lot like "old-fashioned" insurance, so they're very simple:

• No list of providers: Freedom to see almost any Medicare doctor, specialist, or hospital in the United States
• No need for referrals: You have the power to control your own use of health services.

With this plan, you have a lot of flexibility in selecting where you receive care. You can see any provider who accepts Medicare and accepts the terms, conditions, and payment rate of Humana. Before seeking treatment you must verify that the provider will accept the Humana Gold Choice PFFS plan's terms and conditions of payment.

You do not have to locate and service area hospital. Any health care provider that accepts the plan is available to you. With the Humana Gold Choice PFFS plan, you pay an affordable monthly premium and have a fixed copayment for your physician and inpatient covered services.

For those in search of broad coverage with fixed, affordable fees, the Humana Medicare HMO (Health Maintenance Organization) may be the plan for you. This Advantage plan offers all the benefits of traditional Medicare coverage with added coverage such as benefits when traveling outside the United States, coverage for unlimited primary care physician visits, coverage for most annual screenings and more.

Humana Gold Plus HMO Plan

Humana Gold Plus® is a Medicare Advantage Health Maintenance Organization (HMO) plan that offers broad coverage. It includes all the benefits of Original Medicare and may include prescription drug coverage and many extras. And, the out-of-pocket costs are lower and more predictable than with other types of plans.

That means you'll have a good idea of how much you'll spend on healthcare during the year. You don't have to adjust your lifestyle to fit healthcare into your budget.

How the Gold Plus HMO plan works

With Humana Gold Plus, you enjoy:

• Choice of a primary care physician in the plan network
• No or affordable monthly plan premium
• Prescription drug coverage equal to or better than the standard requirement for a Medicare Part D plan
• Affordable copayments for doctor visits and annual routine physicals
• Affordable copayments for doctor visits and annual routine physicals
• Coverage for most annual screenings at no charge

* Drug coverage is not available with all plans

Your doctors and Humana Gold Plus

Humana Gold Plus is a Health Maintenance Organization (HMO) plan. That means you choose a doctor from our broad network to coordinate your care. You're covered for unlimited doctor visits so you can see the primary care physician you choose as often as you need. Plus, you're not locked in once you pick your doctor - you can change to a different in-network doctor whenever you like.

• Together, you and your doctor coordinate all of your care
• Your primary care physician is your partner in health and will send you to specialists or hospitals when you need special care

Original Medicare benefits and more

Humana Gold Plus plans cover all the benefits of Original Medicare and much more, including:

• Medically necessary doctor visits for affordable copayments
• Prescription drug coverage (some plans do not include drug coverage)
• Hospitalization coverage
• Emergency coverage when you travel outside the United States

You choose a primary care doctor from within the network. This primary care physician will coordinate your care, including making referrals to specialists when necessary. Premiums are lower with this plan. Out of pocket costs are lower and more predictable than with other plans.

HumanaChoicePPO

HumanaChoicePPO® is a Medicare Advantage Preferred Provider Organization (PPO) plan that gives you freedom to choose which doctors, specialists, and hospitals you visit. And you can lower your costs when you use network providers. Plus, predictable copayments and coinsurance make it easier for you to budget healthcare costs.

How the HumanaChoicePPO plan works

With a HumanaChoice PPO plan, you enjoy:

• Freedom to choose any doctor or hospital, but you pay less for services received from in-network providers
• Affordable monthly plan premium for most plans
• Referral-free visits to any provider nationwide
• Prescription drug coverage equal to or better than the standard requirement for a Medicare Part D plan*
• Emergency coverage anywhere in the world
• Affordable copayments for doctor visits and annual routine physicals

*Drug coverage is not available with all plans.

Your doctors and HumanaChoicePPO

HumanaChoicePPO plans are Preferred Provider Organization plans. That means you have a broad network of healthcare providers to choose from.

• Your out-of-pockets costs are lower when you choose a provider from Humana's long list of in-network providers
• But you also have the freedom to visit any doctor, specialist, or hospital without a referral - even when you travel

Original Medicare benefits and more

HumanaChoicePPO plans give you all the benefits of Original Medicare and more, including:

• Prescription drug coverage (some plans do not include drug coverage)
• Emergency coverage when you travel outside the United States

The Humana Medicare Choice PPO (Preferred Provider Organization) plans offer you a way to balance choice with affordability. These plans give you the ability to choose your doctors, specialist sand hospitals. Lower costs are achieved by choosing network providers but you are not locked into using only those within the network.

Copayments and coinsurance are predictable, thus making it easier to budget for medical costs. These plans offer all the standard benefits of traditional Medicare plus added coverage for such things as emergency coverage anywhere in the world and referral free visits to any provider in the country.