5 Reasons Humana Medicare Plans are Better Than Traditional Medicare

With so many Medicare Advantage plans to choose from, it can be difficult to determine which one is the best plan for you and your loved ones. If you’re looking to save money on medical expenses, have more freedom over where you receive care, or get more comprehensive coverage, one of the Humana Medicare Advantage plans might be just what you need. These plans also offer great benefits like covering some prescription drugs without cost-sharing or dental care services that traditional Medicare does not cover. Here are 5 reasons why Humana Medicare plans are better than traditional Medicare.

If you’re in need of Medicare coverage, you may have heard that Humana Medicare Advantage plans are better than traditional Medicare plans. They can be, but it depends on your individual situation and needs, so check out these five reasons to consider Humana Medicare Advantage plans if you’re shopping around for Medicare coverage.


  • Dental Coverage
  • Vision Coverage
  • Drug Coverage
  • Premiums
  • Premium Cost Comparison

1) Dental Coverage

Dental coverage is available in all Humana Medicare Advantage plans. There’s no charge for preventative care and copays may be lower than you think. For example, with a $0 copayment, you can get one cleaning per year. Plus, dental coverage is included as part of your hospital inpatient coverage, and outpatient surgery costs aren’t counted towards your annual out-of-pocket max (so long as it’s performed by a dentist). Bottom line: When it comes to preserving your teeth and gums, affordable dental care is just a phone call away. And don’t forget that many employers offer discounts on dental plans – keep an eye out for them!

2) Vision Coverage

If you’re enrolled in a Humana Medicare Advantage plan, you may be able to get vision coverage for exams, corrective lenses, and medical treatment. Dental Coverage: If you’re enrolled in a Humana Medicare Advantage plan, you may be able to get dental coverage for your routine checkups and cleanings as well as fillings and other necessary dental work. You can also get dentures and bridges. Skilled Nursing Care: If your doctor orders that you need skilled nursing care, a managed care company can provide services under certain circumstances. Hospital & Doctor Visits: Hospital stays and doctors’ visits will cost you nothing if they are covered by your plan, but depending on what kind of health plan is right for you, not all visits will be covered 100 percent.

3) Drug Coverage

With most traditional Medicare plans, you’re responsible for a monthly premium, as well as all of your prescription drug costs. With a Humana Medicare Advantage plan, you pay an additional premium for your prescription drugs, but these plans will have separate drug formularies that set rules about which drugs are covered and at what cost. For instance, some may offer brand-name medications at no cost while others will only cover generic medications. You also might need to pay a deductible before receiving coverage. With Humana’s Prescription Drug Discount Card, you can take up to 20% off most prescriptions! The card covers thousands of brand-name and generic drugs and it is accepted at over 68 million pharmacies nationwide!

4) Premiums

If you are enrolled in Original Medicare, your monthly premium is $134, as of 2018. If you’re enrolled in a HumanaMedicare Advantage plan, you may also have to pay copays for your health care services and prescription drugs. However, if you meet certain income requirements, such as having limited assets or being on Medicaid, then there will be no premiums for you.

5) Premium Cost Comparison

When you’re choosing between traditional Medicare or a Medicare Advantage plan, it’s important to know that out-of-pocket costs can vary. On average, traditional Medicare recipients pay $1,230 per year in premiums while MA recipients pay an average of $33 more. Depending on your needs and financial situation, however, you might want to factor in other elements like co-pays and deductibles when making your decision. Check out our comparison tool for more information. If at any point during your comparison you have questions about costs or coverage for certain medications or benefits, let one of our licensed advisors help.


Humana Medicare plans offer the same coverage as traditional Medicare parts A and B, along with many additional benefits, such as dental and vision care, at no extra cost in most cases. Here are five reasons you may want to switch to Humana Medicare plans from traditional Medicare.

Source (webmd.com)

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