FAQs: Enroll with Humana

Tools and Resources to help you choose a plan

Comparing Plans

• What is the Plan Comparison tool?
• Can I exit the Plan Comparison and continue later?
• How can I better understand health insurance terms?
• What is Adobe Acrobat Reader and why do I need it to view various documents on this Website?

My Available Plans

• Is there really such a thing as a zero-premium plan? How does that work?
• Why would I want to choose a plan that has a maximum medical out-of-pocket listed?

My Rx Coverage

• What does "Stage 1," "Stage 2," "Stage 3," and "Stage 4" mean?
• How can I estimate what my costs for prescriptions will be?

Comparing Plans

Q. What is the Plan Comparison tool?

The Plan Comparison is an online tool to help you decide which of the plans offered to you best suit your needs. You can compare the estimated plan premiums, as well as plan coverage, copayments, annual deductible, maximum out-of-pocket costs, and prescription drug benefits. You can also use tools like My Rx Coverage, My Annual Costs, and My Physicians to compare plans based on your costs and personal preferences.

Q. Can I exit the Plan Comparison and continue later?

Yes, you can exit and continue later. However, your current selections will not be saved. You will need to enter them again.

Q. How can I better understand health insurance terms?

You can get more information in our Glossary.

Q. What is Adobe Acrobat Reader and why do I need it to view various documents on this Website?

Several documents on this Website are in Portable Document Format – otherwise know as PDF. These files contain complex graphs, images, and special text that cannot be presented easily through the regular Web browser such as Internet Explorer. This format also allows you greater flexibility when printing.

The creator of the PDF file format, Adobe Systems, offers a free viewer called Adobe Acrobat Reader, so you can view any PDF file on the Web. This software is available as a free download from the Adobe Systems Website at www.adobe.com. Installation instructions are also available there.

My Available Plans

Q. Is there really such a thing as a zero-premium plan? How does that work?

Yes. The government pays Humana to administer Medicare Advantage plans. In some areas, the amount we receive from the government covers the entire plan premium – so it's possible to get all-in-one medical and prescription drug coverage for less than drug coverage alone. If you enroll in a zero-premium plan, you're still responsible for out-of-pocket costs like doctor's office copayments, as well as your Medicare Part B premium.

Q. Why would I want to choose a plan that has a maximum medical out-of-pocket listed?

A maximum out-of-pocket protects you from very high costs in case of a serious illness or injury. The maximum is the most money you will be required to pay a year for medical plan deductibles and coinsurance, in addition to regular premiums.

My Rx Coverage

Q. What does "Stage 1," "Stage 2," "Stage 3," and "Stage 4" mean?

All Medicare drug plans have a four-phase design. As you spend money on prescription drugs during the year, you move to the next phase and your out-of-pocket costs change. Cost percentages vary by plan.

If you have more questions about enrolling, you may want to see:

• What to know before you enroll
• Estimate your Medicare prescription drug costs
• How to enroll
• After you enroll