Can I visit an out-of-network doctor?

Rules depend on the plan type. PPO plans may cover eligible out-of-network care at a higher cost; HMO plans generally emphasize their provider network. Verify the plan documents.

What is the monthly premium?

The premium depends on the specific plan and service area. Check the official local Summary of Benefits for the applicable plan year.

Does the plan include dental, vision and hearing?

Some Humana Medicare Advantage plans include dental, vision and hearing coverage. Exact allowances, service limits and exclusions vary by plan.

Humana Value HMO Medicare Advantage Plan

Humana Value HMO Medicare Advantage Plan | Finzony

Humana Value HMO Overview

Humana Value HMO is an existing HMO-labelled plan record in this catalogue. HMO plans generally use a defined provider network and coordinate care through a primary care physician. Medicare Advantage plans cover Medicare Part A and Part B services under their plan terms, with applicable copayments, coinsurance and other cost-sharing. Prescription drugs and supplemental benefits depend on the specific contract and plan offered in the member’s area. The exact official product name and current availability should be confirmed before publishing plan-specific claims.

Low-premium HMO with Go365 wellness rewards program included

Expert Review of Humana Value HMO

The HMO structure generally emphasizes coordinated care through participating providers. Before enrollment, confirm the official plan name, service area, primary care and referral rules, provider network, covered medicines, supplemental benefits and annual out-of-pocket maximum. Do not assume that the existing database premium or coverage description applies to every Humana HMO.

Pros

Covers Medicare Part A and Part B services under the plan contract.
May provide supplemental benefits beyond Original Medicare, depending on the specific plan.
An annual out-of-pocket limit applies to covered medical services under Medicare Advantage rules.

Cons

Provider access and costs depend on the plan network and service area.
Copayments, coinsurance and other out-of-pocket costs may apply.
Benefits and plan availability can change by plan year and contract.

About Humana (Insurer Profile)

Humana

Key Insights

Founded

1961

Humana was established 65 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

0% CSR, calculated as a 3-year average

Humana settles 0% of all claims it receives.

Network Hospitals

3000+

Humana has a network of 3000+ hospitals, ensuring wide accessibility and convenience for policyholders.

Humana Value HMO Features and Benefits

Medicare Part A and Part B services

Medicare Advantage plans cover Medicare Part A and Part B services under the plan contract.

Coverage limitations and cost-sharing apply.

Provider network

Access to participating doctors, hospitals and other providers is governed by the plan network.

Confirm your providers are in network.

Primary care coordination

HMO plans generally coordinate care through a primary care physician.

Check the specific plan’s referral rules.

Prescription drug coverage

Prescription drug coverage may be included in a Medicare Advantage plan.

Confirm whether this particular plan includes Part D and check its formulary.

Annual out-of-pocket limit

Medicare Advantage plans have a plan-defined maximum for covered medical services.

The actual limit varies by plan and service area.

Additional benefits

Some Humana Medicare Advantage plans include dental, vision and hearing benefits.

Verify exact allowances, exclusions and limits in the local Summary of Benefits.

Add-ons of Humana Value HMO

Supplemental Dental Benefits

Dental benefits may be available through certain plan options or supplemental arrangements.

Not guaranteed. Verify availability, covered services, limits and any additional cost in the official plan documents for the specific service area.

Supplemental Vision Benefits

Vision benefits may be available through certain plan options or supplemental arrangements.

Not guaranteed. Verify eye exams, eyewear allowances, network restrictions and any additional cost in the official plan documents for the specific service area.

What Humana Value HMO Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Services not covered by Medicare or the plan contract may not be covered, except where applicable rules require coverage.
Out-of-network care may be restricted or cost more, depending on the plan type and service.
Prior authorization, referral and medical-necessity rules may apply to certain services.
Prescription drugs, dental, vision and hearing services are subject to the specific plan’s coverage rules and limits.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

What's missing in Humana Value HMO

Exact premium, deductible and annual out-of-pocket maximum need verification against the local plan documents.
Provider network, prescription drug formulary and supplemental benefit limits must be checked for the specific plan.
Review the current Summary of Benefits and Coverage for exclusions, prior authorization requirements and service-specific limitations.

Insurer

Humana plans and claim process

Humana Value HMO FAQs

What type of plan is this?

The existing listing identifies this as an HMO or PPO plan. Confirm the official plan documents to verify the exact product and contract.

Does the plan cover Medicare Part A and Part B services?

Medicare Advantage plans cover Medicare Part A and Part B services under the plan contract, subject to applicable rules and cost-sharing.

Are prescription drugs included?

Drug coverage varies by plan. Check the plan’s Summary of Benefits and formulary to confirm whether Part D coverage is included.

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Humana website before purchasing.