Medicare Advantage plans combine the benefits of original Medicare and may include other options, like dental, vision, hearing and prescription drugs.Original Medicare includes hospital insurance (Part A, which is free for individuals eligible for Medicare who have paid payroll taxes for at least 10 years) and medical insurance (Part B, which has a premium and deductible, and requires copays for many services). Medicare Advantage covers Parts A and B in addition to other health and wellness benefits and services, such as routine dental, vision and hearing care on many plans, and often includes Medicare prescription drug coverage (Part D).
Many Humana Medicare Advantage plans also include predictable copayments and no deductibles for many services, maximum out-of-pocket protection, and innovative offerings such as fitness programs, flexible spending accounts and transportation benefits.
Multicultural support. Humana is investing in multicultural experiences to support varying cultural norms around healthcare. With in-language providers and in-language physician finders, sales agents fluent in multiple languages, enrollment books and webpages available in Spanish, Korean and Chinese, Humana is focused on connecting with beneficiaries in the language in which they will best understand their options to make an informed decision about their healthcare.
For More Information. Humana offers in-person, online, telephone enrollment options. All enrollment options will connect Medicare beneficiaries with a licensed sales agent. Visit www.Humana.com/Medicare or call toll-free 1- 888-372-2614 (TTY: 711). Licensed sales agents are available 8 a.m. to 8 p.m. local time, seven days a week.
Humana has served Medicare beneficiaries for nearly 40 years, with nearly 8.7 million Medicare members in all 50 states, Washington, D.C., and Puerto Rico, as of June 30, 2022. Nearly 5.1 million of those members are enrolled in a Medicare Advantage plan.
Humana Inc. is committed to helping our millions of medical and specialty members achieve their best health. Our successful history in care delivery and health plan administration is helping us create a new kind of integrated care with the power to improve health and well-being and lower costs. Our efforts are leading to a better quality of life for people with Medicare, families, individuals, military service personnel, and communities at large.
Medicare Advantage delivers financial savings to members in the form of lower out-of-pocket costs and reduced premiums. Medicare Advantage members reported spending nearly $2,000 less on out-of-pocket costs , compared to fee-for-service Medicare. Medicare Advantage plans also have limits on out-of-pocket costs. These financial protections may be critical for older Americans on fixed incomes.
Unlike fee-for-service Medicare, Medicare Advantage plans often include affordable prescription drug coverage. For Humana members , 100 percent of the savings achieved through manufacturer rebates and discounts in pharmacy programs are returned to members through lower premiums and improved benefits.
Humana is a Medicare Advantage HMO and PPO organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. Other providers are available in the Humana network. Allowance amounts cannot be combined with other benefit allowances. Limitations and restrictions may apply.
The Humana Prescription Drug Plan (PDP) pharmacy network includes limited lower-cost, preferred pharmacies in urban areas of CT, DE, IA, MA, MD, ME, MI, MN, MO, MS, MT, ND, NH, NJ, NY, PA, RI, SD, WY; suburban areas of CA, CT, DE, HI, IL, MA, MD, ME, MN, MT, ND, NH, NJ, NY, PA, PR, RI, VT, WV; and rural areas of AK, IA, MN, MT, ND, NE, SD, VT, WY. There are an extremely limited number of preferred cost share pharmacies in urban areas in the following states: DE, MA, ME, MN, MS, ND, NY; suburban areas of: MT and ND; and rural areas of: ND. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call Customer Care at 1-800-281-6918 (TTY: 711) or consult the online pharmacy directory at Humana.com.
Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our full accessibility rights information and language options.
Humana group medical plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin Health Organization Insurance Corporation, or Humana Health Plan of Texas, Inc., or insured by Humana Health Insurance Company of Florida, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company, Humana Insurance Company of Kentucky, or Humana Insurance of Puerto Rico, Inc. License # 00187-0009, or administered by Humana Insurance Company or Humana Health Plan, Inc. For Arizona residents, plans are offered by Humana Health Plan, Inc. or insured by Humana Insurance Company. Administered by Humana Insurance Company.
Humana individual dental plans are insured or offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, The Dental Concern, Inc., CompBenefits Insurance Company, CompBenefits Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Benefit Plan of Louisiana, Inc., or DentiCare, Inc. (DBA CompBenefits). Discount plans are offered by HumanaDental Insurance Company, Humana Insurance Company, or Texas Dental Plans, Inc. Arizona residents insured by Humana Insurance Company. Texas residents insured or offered by Humana Insurance Company, HumanaDental Insurance Company, or DentiCare, Inc. (DBA CompBenefits).
In states, and for products where applicable, the premium may include a $1 administrative fee. If you have purchased an association plan, an association fee may also apply. Some plans may also charge a one-time, non-refundable enrollment fee. (This fee is non-refundable as allowed by state).
Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., Humana Medical Plan of Utah, CompBenefits Company, CompBenefits Insurance Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., or DentiCare, Inc. (DBA CompBenefits).
Humana individual vision plans are insured by Humana Insurance Company, The Dental Concern, Inc., or Humana Insurance Company of New York, or Humana Health Benefit Plan of Louisiana, Inc. Arizona residents insured by Humana Insurance Company. Texas residents insured by Humana Insurance Company.
Humana group vision plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Health Benefit Plan of Louisiana, Humana Insurance Company of Kentucky, Humana Insurance Company of New York, CompBenefits Insurance Company, CompBenefits Company, or The Dental Concern, Inc.
Our health benefit plans, dental plans, vision plans, and life insurance plans have exclusions, limitations and terms under which the coverage may be continued in force or discontinued. Our dental plans, vision plans, and life insurance plans may also have waiting periods. For costs and complete details of coverage, call or write Humana or your Humana insurance agent or broker.
The identification and isolation of infected people through contact tracing or passive detection is of vital importance for controlling disease spread.7 Currently, SARS-CoV-2 real-time polymerase chain reaction (RT-PCR) from nasopharyngeal and throat swabs is the diagnostic procedure of choice.8 RT-PCR has a sensitivity of 56% and a specificity of 86%;9 however, the collection of quality samples in different stages of the infection is a problem that has caused a high rate of false negatives.8,10 Additional diagnostic approaches include serological tests based on the detection of IgM or IgG antibodies. These serological tests have a sensitivity range of 77% to 98% with specificities greater than 91%;11 but they have a low sensitivity during the first week of infection (30%), therefore being impractical for management of early acute cases.12 It should be noted that the sensitivity of serological tests increases with time, while the sensitivity of RT-PCR decreases.11 On the other hand, chest CT has proven to be a valuable tool in the detection of COVID-19 cases. Chest CT has a sensitivity of 97% with a specificity of 25%.7 Another way to detect COVID-19 cases is by identifying the symptoms that characterize the clinical presentation of the disease. The main clinical manifestations of COVID-19 include fever, cough, fatigue, headache, myalgia among other less frequent symptoms.13-15 However, the presentation of symptoms varies among children, young adult and the elderly.14-18 In addition, most of the studies on COVID-19 restrict the analysis to confirmed cases,13,15,18,19 which limits its capacity to calculate the sensitivity and specificity of each sign and symptom.
The diagnosis of COVID-19 is complex, since multiple factors such as age, sex and the interaction between different symptoms have to be taken into account. Therefore, we also developed a model based on symptoms at presentation, sex and age. Our model presents better diagnostic characteristics than individual symptoms, with an AUC=0.72, a sensitivity of 80% and a specificity of 46%. The main variables of this model were anosmia, headache, dysgeusia cough and low fever among other symptoms and symptom interactions (Table 3). Age, age squared, and sex had lower coefficients in the model. Although the age-dependent variability in the proportion of RT-PCR positive results in our study population might reflect differences in exposure due to school closure and an active protection of the elderly, the model achieves comparable predictive values in all age groups. Furthermore, our model achieved similar diagnostic characteristics with another symptom-based regression model.31 That model, which evaluated data from the United States and the United Kingdom presented an AUC=0.76;31 therefore, considering our results and those of studies carried out in those countries,31 the regression models based on symptoms achieve an AUC greater than 0.70. However, in view of the burden of morbidity and mortality in high-risk groups, models to predict the likelihood of infection should be interpreted with caution and not be used to limit the corresponding testing of groups at increased risk of severe disease. 2b1af7f3a8