Helping Someone Enroll

Providing Medicare assistance to an eligible parent or senior

If your parent or loved one is considering a Medicare prescription drug, Medicare Advantage plan or Medicare Supplement plan, you may find yourself scrambling to understand how to enroll in a Medicare health plan.

Allow enough time
Communication is key
Determine medical needs
Determine prescription drug needs
Discuss preferences for doctor visits
Determine current coverage and monthly payments

Allow enough time

Your goal is to help evaluate plan options, choose the right plan, and aid in the enrollment process. Allow adequate time to make the right coverage decision. Be patient and flexible as you find your way through the process.

Keep in mind that in most cases, coverage for Prescription Drug and Medicare Advantage plans starts on the first of the month after Humana receives your completed enrollment form.

Communication is key

Bring together everyone who needs to be involved in the decision-making process. Explain the purpose of your getting together. Share what you have learned. Most importantly, ask questions.

Determine medical needs

As you look at different plans, ask yourself these questions:

1. How much is the monthly premium?
   
   
2. How much is the deductible for different services?
   
   
3. How much is the copayment?
   
   
4. What is covered? What isn't?
   
   
5. What doctors can I visit?
   
   

If you are helping someone enroll who is on a budget or a fixed income, you may want to consider a Medicare Advantage plan. Medicare Advantage plans include drug coverage and fixed copayments. Humana offers three types of Medicare Advantage plans.

Determine prescription drug needs

Find out which drugs the person you are helping takes, including the generic and brand names, the dose, how often they take them, and if their prescription is obtained by mail or at a retail pharmacy. Be sure to make a separate list for each parent, relative or friend. Consider cost saving opportunities and if the plan is right based on the person's financial needs.

Discuss preferences for doctor visits

Will the person you are helping to enroll in a Medicare health plan choose a primary doctor from a network of Medicare-approved providers? A Medicare Advantage HMO, such as Humana Gold Plus^®, could be a good fit. Want flexibility in choosing a doctor? Does the person you are helping spend part of the year in a different state? Consider a PPO or Private Fee-for-Service (PFFS) plan, including HumanaChoicePPO and Humana Gold Choice.

Medicare Supplement plans are also a good option for people who want flexibility in choosing providers. These plans can work seamlessly with Original Medicare to enhance coverage for doctor’s office visits and other healthcare costs. Find out more about Humana’s Medicare Supplement Plans.

Determine current coverage and monthly payments

Make sure the person you are helping doesn’t already have prescription drug coverage through a former employer or other health insurance plan, otherwise the Medicare beneficiary may automatically forfeit that other coverage.

Plan Choices Compare and enroll. It's easy and convenient. Enter your ZIP Code to explore Humana's Medicare plans in your area. ZIP Code: ZIP Code Lookup