Since 1961, Humana has played a key role in providing quality health care across the United States. Ranked as one of the largest health insurance carriers, Humana is a one-stop shop for health care needs. Original Medicare (Parts A and B) lays the groundwork for basic health care, but it doesn’t cover everything. Humana offers a wide range of plans to maximize coverage and certain services you won’t get with Original Medicare. Its impressive plan perks include enrollment discounts, fitness membership, and a 24/7 registered nurse hotline. We’ll get into the details of Humana’s insurance plans and what it covers below.
Did You Know?Did You Know? Humana offers Medicare Advantage plans that may provide benefits for long-term care. Visit our Medicare Advantage ZIP code search tool to find out if Humana’s plans are offered in your area.
Humana offers several different health care plans designed to meet a range of health and wellness needs, including:
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Medicare Part A covers care in a skilled nursing facility and some home health care on a short-term basis. A medical professional has to certify the coverage as a medical necessity to approve your plan. On top of that, you have to get approved in a state-licensed skilled nursing center.
Humana offers seven Medigap plans that pay for skilled nursing facility (SNF) care coinsurance benefits. Here’s a quick look at how much Humana’s Medigap plans will cover your coinsurance.
| Humana Medigap plan | Percentage of coinsurance covered |
|---|---|
| Plan K | 50% |
| Plan L | 75% |
| Plan C | 100% |
| Plan D | 100% |
| Plan F | 100% |
| Plan G | 100% |
| Plan N | 100% |
Humana’s Medicare Advantage plans (Part C) may include up to 100 days per benefit period in a skilled nursing care facility. There is a maximum out-of-pocket responsibility for what you’re required to pay a year for deductibles, copayments, and coinsurance on covered services.
FYI: Head over to our nursing home care versus skilled nursing care comparison for a breakdown of coverage.
Despite advancing age and illness, many people want to remain in the comfort of their own homes for as long as possible. However, to do so may require one-on-one assistance from professional caregivers. Since many people struggle to get the services and support they need to age in place, Humana offers several in-home care support options for eligible Humana members.
Landmark has been providing home care services for over 15 years. As a Humana Medicare Advantage member, you may be eligible for Landmark’s in-home care management program if you have multiple chronic conditions like coronary heart disease, diabetes, end-stage renal disease, or pulmonary disease. The Landmark team doesn’t replace your primary care doctor or other specialists. You’ll continue to see the providers you know and trust while getting additional support from Landmark’s in-home medical team of doctors, nurse practitioners, and pharmacists.
Humana Cares offers SeniorBridge in-home care to make your care more accessible and more affordable, even when faced with functional and medical challenges. For over 20 years, SeniorBridge has provided individualized home care for complex health care needs. If you have a Humana plan, be sure to verify your Humana Cares SeniorBridge coverage and requirements. It’s important to note that SeniorBridge is not available nationwide. Their services are offered in 23 locations across nine states, including:
From the Pros: Head over to SeniorLiving.org’s picks for Medigap plans in 2024 to learn more about Humana’s offerings!
Determining when a loved one needs hospice care is an emotionally challenging decision. Hospice care, also known as end-of-life care, supports the medical, physical, social, emotional, and spiritual needs of a terminal patient. Medicare-certified hospice and palliative care are usually provided in your home or other facility where you live, like a nursing home. You can also get hospice care in an inpatient hospice facility. 2
Humana's Medigap plans may include Medicare Part A hospice care coinsurance or copayment. Medigap plans A, B, C, D, F, G, and N cover 100 percent of the coinsurance or copayment. Medigap Plan K covers 50 percent, and Plan L covers 75 percent.
If you are enrolled in Humana Medicare Advantage (Part C), Medicare may cover hospice services even if you decide to keep a Medicare Advantage or other Medicare plan. Your Medicare Advantage plan may cover services that aren't a part of your terminal illness (or conditions related to your terminal illness) when you receive hospice care. 3
Humana also offers a Value-Based Insurance Design (VBID) model for Medicare Advantage members moving into end-of-life care via hospice. Humana partners with VBID-specific palliative care providers to support members who may benefit from a palliative care program combined with their Medicare Advantage plan coverage. The model strives to lengthen the time members are enrolled in hospice care, allowing them to stay at home and avoid expensive and sometimes unnecessary hospitalizations near the end of their life. 4 The Humana VBID pilot program is currently available in limited states under certain Medicare Advantage plans.
From the Experts:From the Experts: If you or a loved one is battling cancer and in need of hospice, Humana is one of SeniorLiving.org’s recommendations for Medigap carriers for people with cancer.