It depends on the are you live in and your individual situation. Humana is a Medicare Advantage Plan. Each area is different. If you cannot afford a Medicare Supplement then I would shop for a good Medicare Advantage Plan in your area, it may be Humana or it may be another plan such as United Health Care, Aetna, or Anthem Blue Cross. A good local agent who is certified in Medicare Advantage plans and is familiar with the plans in your area can help guide you in the right direction. Every situation is different. A medicare Advantage Plan will offer more coverage than original Medicare. A Medicare Supplement offers even better coverage because it will pay in addition to original Medicare. Humana does offer a Medicare Supplement, but make sure you shop because they may not be the best option depending on where you live. Again, a good local agent can be a great help to you.
Humana can be either a Medigap or Medicare Advantage plan. They offer both options.
Depending on your zip code, the Humana Medicare Advantage plan may not be available.
If Humana Medigap plans are offered in your state, they would be available in any zip code.
You should completely understand the difference in Advantage plans vs. Medicare supplement. In general, Advantage plans have lower premiums but considerably higher out of pocket costs. Most also have networks with severe penalties for using non-network providers.
Supplement plans have higher monthly premiums, no networks, and in most cases, less than $500 out of pocket when your health takes a turn for the worse.
Medicare is a national social program administered by the U.S. government that guarantees health care coverage to all Americans who have worked in the U.S. long enough to earn coverage. Medicare will generally cover 80% of your medical cost. Humana offers enhancements to the government's coverage either with a Medigap plan which can cover the additional 20% that Medicare doesn't pay or a Medicare Advantage plan that covers all that Medicare covers with added benefits.
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Depending on your zip code, the Humana Medicare Advantage plan may not be available.
If Humana Medigap plans are offered in your state, they would be available in any zip code.
You should completely understand the difference in Advantage plans vs. Medicare supplement. In general, Advantage plans have lower premiums but considerably higher out of pocket costs. Most also have networks with severe penalties for using non-network providers.
Supplement plans have higher monthly premiums, no networks, and in most cases, less than $500 out of pocket when your health takes a turn for the worse.