Wellness

[goldensrbest]

Does anyone have humana plan  N ,for medicare supplement?

[Kachina624]

The employer from which I retired, contracted with Humana to administer their health insurance plan.  Humana money does not pay the claims and they reimburse at a higher rate than does Humana.  However, the Humana name is on my card and I find overwhelming prejudice against this company.  I've been to many doctors and at least one major hospital that will not accept it.  I speak with their insurance department, have them call our dedicated number and speak to a representative, then everything is okay.  They must have a terrible reputation. 

[goldensrbest]

Thanks for that ,good to know.

[Carmie]

Plan N is the same no matter where one purchased it.  Humana sells the same Plan N as does every other insurance company that sells supplemental insurance.

Plan N is not real popular.  It does not pay the medicare Part B deductible which is $166, and patients are responsible for $20 copays for doctor visits and copays $50  for emergency room visits.  Patients would also be responsible for excess charges over what Medicare allows.

IMO, it is not a bad plan.  I have never heard of any negative things about Humana, though I am sure they exist.  No one is 100% happy....ever.

if you have Medicare, hospitals must except you and any supplemental plan you have.  It's the law.  If something is not covered, you would be held responsible to pay, but they can't refuse Medicare and your supplemental plan.

[Kachina624]

Before signing up for any plan, I'd call medical providers I might be using and ask if they take XXXX insurance. 

[Carmie]

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@Kachina624 wrote:

Before signing up for any plan, I'd call medical providers I might be using and ask if they take XXXX insurance. 

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This is not necessary with Traditional Medicare and a Supplemental Plan.  All providers in the US  Must accept this type of insurance by law.

If one has a Medicare Advantage Plan, this would be a good idea.

[Snowpuppy]

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@Carmie wrote:

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@Kachina624 wrote:

Before signing up for any plan, I'd call medical providers I might be using and ask if they take XXXX insurance. 

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This is not necessary with Traditional Medicare and a Supplemental Plan.  All providers in the US  Must accept this type of insurance by law.

If one has a Medicare Advantage Plan, this would be a good idea.

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While I'm not old enough for Medicare I can tell you that my PCP quit taking all insurance several years ago.

You pay in advance and you wait for your provider to reimburse you. 

[Zhills]

I have a Humana PPO and I have never had a problem with Doctors taking it or with Humana paying.

Humana SELLS different plans like Ford makes different cars!  You can't just compare Humana alone.

My PCP visits are $5 and Specialists are $20.  That's good coverage if you ask me.  

When a provider takes your Medicare Advantage Plan they negotiate a price that  the PLAN will pay in return to taking more of their patients.  If a Doctor takes it, Humana pays it.  All of it!  You don't have the yearly deductable and you have drug mail order svc.

I had an episode in 2016 that ran over $350,000 and I paid $800.  I was in the hospital and rehab a total of 35 days and had major surgery.   I won't complain.

[goldensrbest]

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@Zhills wrote:

I have a Humana PPO and I have never had a problem with Doctors taking it or with Humana paying.

Humana SELLS different plans like Ford makes different cars!  You can't just compare Humana alone.

My PCP visits are $5 and Specialists are $20.  That's good coverage if you ask me.  

When a provider takes your Medicare Advantage Plan they negotiate a price that  the PLAN will pay in return to taking more of their patients.  If a Doctor takes it, Humana pays it.  All of it!  You don't have the yearly deductable and you have drug mail order svc.

I had an episode in 2016 that ran over $350,000 and I paid $800.  I was in the hospital and rehab a total of 35 days and had major surgery.   I won't complain.

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What is your monthly premium?

[Zhills]

Just my normal Medicare charge that they take out every month.