Humana Medicare Plans in Tampa Bay Florida

What Types of Humana Medicare Plans Are Available in Tampa Bay? 🏥

Humana is a private insurance company contracted with Medicare to provide benefits to eligible beneficiaries. Here are the main types of Humana Medicare plans available in the Tampa Bay region:

Humana Medicare Advantage Plans (Part C)

Medicare Advantage plans from Humana provide your Original Medicare Part A (hospital insurance) and Part B (medical insurance) benefits through a private insurance plan. Most Humana Medicare Advantage plans also include prescription drug coverage (Part D), plus additional benefits that Original Medicare doesn’t cover.

Humana Gold Plus HMO Plans 🌟

Humana’s Health Maintenance Organization (HMO) plans, often branded as Humana Gold Plus, offer comprehensive coverage with predictable costs. These plans are popular in the Tampa Bay area for several reasons:

Key Features:

• Network-Based Care: You must use doctors, hospitals, and other healthcare providers within the Humana network for routine care (emergency care is covered everywhere)
• Primary Care Physician: You’ll select a primary care doctor who coordinates your care and provides referrals to specialists
• Prescription Drug Coverage: Most Gold Plus plans include Part D prescription drug coverage built-in
• Lower Out-of-Pocket Costs: HMO plans typically offer lower copays and coinsurance compared to PPO plans
• Part B Premium Reduction (Give Back): Some Humana HMO plans offer a Part B Premium Giveback benefit, which reduces or eliminates your monthly Medicare Part B premium 💰
• Extra Benefits: Many Gold Plus plans include dental, vision, hearing, fitness benefits (like SilverSneakers), over-the-counter allowances, and more
• $0 Premium Options: Some Gold Plus HMO plans are available with $0 monthly premium (you still pay your Part B premium to Medicare)

Best For: Medicare beneficiaries who prefer coordinated care, are comfortable using network providers, and want to minimize out-of-pocket costs.

Available In: Hillsborough, Pinellas, Pasco, Polk, and Orange Counties (specific plan availability varies by ZIP code)

🤔 Learn more about HMO vs PPO plans to see which is right for you.

Humana PPO Plans (Preferred Provider Organization) 🌐

Humana’s PPO plans, often branded as HumanaChoice PPO, offer more flexibility than HMO plans. You can see any doctor or specialist who accepts Medicare and agrees to bill the plan.

Key Features:

• No Referrals Needed: See specialists without getting a referral from your primary care doctor
• In-Network and Out-of-Network Coverage: You can use any provider who accepts Medicare and agrees to bill the plan, though you’ll pay less when you use in-network providers
• Nationwide Coverage: Great if you travel frequently or spend time in multiple states
• Prescription Drug Coverage: Most PPO plans include Part D coverage
• Part B Premium Reduction (Give Back): Some Humana PPO plans offer a Part B Premium Giveback benefit, which reduces or eliminates your monthly Medicare Part B premium 💰
• Additional Benefits: Depending on the plan, may include dental, vision, hearing, fitness programs, and telehealth services

Best For: Medicare beneficiaries who want flexibility to see more doctors and specialists, travel frequently, or prefer not to use a primary care physician for referrals.

Part B Giveback Plans: Humana offers select PPO and HMO plans with Part B premium reduction benefits in certain Florida counties. These plans credit money back to your Social Security check each month to help offset the cost of your Medicare Part B premium. The giveback amount varies by plan and may be a partial or full reduction of the Part B premium.

Humana Special Needs Plans (SNP) 🏥

Humana offers Special Needs Plans designed for Medicare beneficiaries with specific health conditions or circumstances. These plans provide specialized care coordination and benefits tailored to your unique healthcare needs.

Humana Chronic Special Needs Plans (C-SNP) 💊

Chronic Special Needs Plans are Medicare Advantage plans for people with specific chronic or disabling conditions. Humana C-SNP plans offer specialized care management and benefits designed specifically for your condition.

Qualifying Conditions:

You may be eligible for a Humana C-SNP if you have one or more of these chronic conditions:

• Cardiovascular disorders (including congestive heart failure)
• Chronic heart failure
• Diabetes
• Chronic lung disorders (such as COPD)
• End-stage renal disease (ESRD)
• Stroke or other neurological disorders
• Autoimmune disorders

What Makes C-SNP Different:

• Disease-Specific Care Coordination: Dedicated care teams who specialize in managing your specific chronic condition
• Tailored Benefits: Extra benefits and services designed for your condition (such as specialized equipment, supplies, or medications)
• Model of Care: Evidence-based treatment protocols specifically designed for your chronic condition
• Care Management Programs: Proactive outreach and support to help you manage your condition and avoid complications
• Network of Specialists: Access to doctors and facilities that specialize in treating your condition
• Medication Management: Enhanced prescription drug coverage for medications specific to your condition
• Lower Costs: Often feature reduced copays and out-of-pocket costs for condition-related care

Additional Benefits May Include:

• Home health monitoring devices (blood pressure monitors, glucose meters, pulse oximeters)
• Diabetic supplies and nutritional counseling (for diabetes C-SNP)
• Cardiac rehabilitation programs (for cardiovascular C-SNP)
• Pulmonary rehabilitation (for chronic lung disorder C-SNP)
• Meal delivery programs tailored to dietary restrictions
• Transportation to specialist appointments
• Healthy food and produce cards (grocery allowances for nutritious foods)
• Utility assistance (help paying electric, gas, water bills)

About SSBCI Benefits: Thanks to Special Supplemental Benefits for the Chronically Ill (SSBCI), Humana C-SNP plans can offer benefits that address social determinants of health—like food insecurity, housing stability, and utilities—because these factors directly impact your ability to manage chronic conditions effectively.

Best For: Medicare beneficiaries with one or more qualifying chronic conditions who want specialized care coordination and condition-specific benefits.

Humana Dual Eligible Special Needs Plans (D-SNP) 💚

Dual Eligible Special Needs Plans are designed for people who qualify for both Medicare and Medicaid (also called “dual eligibles”). Humana D-SNP plans combine your Medicare and Medicaid benefits into one comprehensive plan.

Who Qualifies:

You must be eligible for both:

• Medicare (Part A and/or Part B)
• Medicaid (full Medicaid benefits or assistance with Medicare premiums and cost-sharing)

What Makes D-SNP Different:

• Integrated Care: Combines Medicare and Medicaid benefits in one plan with coordinated care management
• Lower or $0 Costs: Most D-SNP plans have $0 premium, $0 deductible, and very low copays
• Extra Benefits: Enhanced coverage beyond standard Medicare, including services Medicaid typically covers
• Care Coordinators: Dedicated team to help navigate both Medicare and Medicaid systems
• Simplified Administration: One card, one plan, one point of contact for all your healthcare needs

Additional Benefits Often Include:

• Comprehensive Dental: Routine and extensive dental services including dentures, extractions, and restorations
• Vision Services: Eye exams, glasses, and contacts with generous allowances
• Hearing Benefits: Hearing exams and hearing aids
• Transportation: Rides to medical appointments, pharmacies, and even grocery stores
• Over-the-Counter Allowance: Monthly or quarterly allowance for OTC items
• Personal Care Services: Help with activities of daily living
• Fitness Programs: Gym memberships and wellness activities

Enhanced Benefits for D-SNP Members with Chronic Conditions (SSBCI):

If you qualify for a D-SNP and have one or more chronic conditions, you may be eligible for Special Supplemental Benefits for the Chronically Ill (SSBCI), which can include:

• Healthy Food Benefits: Grocery allowances, produce cards, or meal delivery programs specifically for nutritious foods that help manage your chronic condition
• Utility Assistance: Help paying electric, gas, and water bills (often more generous than standard D-SNP utility benefits)

Why SSBCI Matters: These benefits recognize that managing chronic conditions isn’t just about medical care—social determinants of health like nutrition, housing safety, and utility access play a critical role in your overall health outcomes. SSBCI benefits help address these factors so you can better manage your chronic conditions.

Prescription Drug Coverage:

Humana D-SNP plans include comprehensive Part D prescription drug coverage with very low or $0 copays for most medications. If you have Extra Help (also called the Low-Income Subsidy), you may pay nothing for your prescriptions.

Best For: Medicare beneficiaries who also have Medicaid or receive help paying Medicare premiums and want comprehensive benefits with little to no out-of-pocket costs.

Important Note: Humana D-SNP plans are available year-round with Special Enrollment Periods, so you don’t have to wait for Annual Enrollment Period to join if you’re newly eligible for Medicaid.

✅ Think you might qualify for a Humana Special Needs Plan? Let’s find out! Schedule your free consultation.

✅ Compare all Humana Medicare Advantage options in your area – schedule your free consultation!

Humana Medicare Supplement Plans (Medigap) 🛡️

In addition to Medicare Advantage plans, Humana also offers Medicare Supplement insurance policies (also called Medigap plans). These plans work alongside Original Medicare Parts A and B to help cover out-of-pocket costs like deductibles, copayments, and coinsurance.

Humana Medicare Supplement Plan G

Plan G is one of the most comprehensive Medigap plans available and is the most popular choice among new Medicare beneficiaries.

What Plan G Covers:

• Part A hospital coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted
• Part A hospice care coinsurance or copayment
• Part B coinsurance or copayment (after you meet the annual Part B deductible)
• First three pints of blood
• Part A deductible
• Skilled nursing facility coinsurance
• Foreign travel emergency (up to plan limits)

What You Pay:

• Annual Part B deductible (the only out-of-pocket cost not covered by Plan G)
• Monthly premium to Humana

Best For: Medicare beneficiaries who want comprehensive coverage with predictable costs and the freedom to see any doctor who accepts Medicare.

Humana Medicare Supplement Plan N

Plan N offers slightly less coverage than Plan G but typically comes with a lower monthly premium, making it an attractive option for cost-conscious beneficiaries.

What Plan N Covers:

• Part A hospital coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted
• Part A hospice care coinsurance or copayment
• Part B coinsurance or copayment (with some exceptions – see below)
• First three pints of blood
• Part A deductible
• Skilled nursing facility coinsurance
• Foreign travel emergency (up to plan limits)

What You Pay:

• Annual Part B deductible
• Up to $20 copay for some office visits
• Up to $50 copay for emergency room visits (waived if admitted)
• Part B excess charges (if your doctor doesn’t accept Medicare assignment)
• Monthly premium to Humana

Best For: Healthy Medicare beneficiaries who don’t visit the doctor frequently and want to save on monthly premiums.

Important: With Medicare Supplement plans, you’ll need separate Part D prescription drug coverage. Humana offers standalone Part D plans that can be combined with your Medigap policy.

🛡️ Compare Medicare Supplement vs Medicare Advantage to see which fits your needs.

Humana Part D Prescription Drug Plans 💊

If you choose Original Medicare with a Medicare Supplement plan, you’ll need a separate Part D prescription drug plan. Humana offers several standalone Part D plans with varying levels of coverage and costs.

Additional Benefits Available with Humana Medicare Advantage Plans 🎁

Many Humana Medicare Advantage plans in Tampa Bay include extra benefits beyond what Original Medicare covers:

Dental Coverage 🦷

• Preventive services like cleanings and exams
• Comprehensive services like fillings, crowns, and extractions
• Annual benefit maximums vary by plan

Vision Coverage 👓

• Annual routine eye exams
• Allowance for eyeglasses or contact lenses
• Discounts on additional eyewear

Hearing Benefits 👂

• Routine hearing exams
• Hearing aid coverage with varying allowances
• Access to preferred hearing aid providers

Fitness Programs 💪

• SilverSneakers membership (access to gyms and fitness classes)
• Fitness reimbursement programs
• Home fitness kits

Over-the-Counter (OTC) Allowance 🛒

• Quarterly allowance for OTC health products
• Order through Humana’s OTC catalog or participating pharmacies
• Covers items like vitamins, pain relievers, first aid supplies, and more

Telehealth Services 📱

• Virtual doctor visits
• 24/7 nurse hotline
• Remote monitoring for chronic conditions

Transportation Benefits 🚗

• Rides to medical appointments
• Pharmacy pickup assistance
• Number of trips varies by plan

Meal Delivery 🍽️

• Post-discharge meal delivery
• Chronic condition support meals
• Available with select plans

How to Choose the Right Humana Medicare Plan 🤔

Selecting the right Medicare plan depends on several factors:

• Your Healthcare Needs: Do you visit the doctor frequently? Do you take multiple prescription medications? Do you have chronic conditions that require specialist care?
• Your Budget: Consider both monthly premiums and out-of-pocket costs like copays, coinsurance, and deductibles.
• Your Doctors: Will your current doctors accept the plan? For HMO plans, are they in the network? For Medicare Supplement plans, do they accept Medicare assignment?
• Your Medications: Are your prescriptions covered on the plan’s formulary? What tier are they in? What are the copays?
• Your Lifestyle: Do you travel frequently? Do you split time between multiple states? Do you want flexibility or coordinated care?
• Extra Benefits: Which additional benefits matter most to you – dental, vision, hearing, fitness, OTC allowance?

📞 Not sure which plan is right? Let’s talk! Schedule your free consultation.

Comparing Humana Medicare Advantage vs. Medicare Supplement

Feature	Medicare Advantage (HMO/PPO)	Medicare Supplement (Medigap)
Coverage Type	All-in-one plan replacing Original Medicare	Works alongside Original Medicare
Network Restrictions	Yes (HMO) or incentivized (PPO)	No – any doctor accepting Medicare
Prescription Drugs	Usually included	Requires separate Part D plan
Extra Benefits	Often includes dental, vision, hearing, fitness	No extra benefits
Out-of-Pocket Maximum	Yes – protects against catastrophic costs	No – but pays predictable percentage
Monthly Premium	Often $0 or low premium	Higher monthly premium
Travel Coverage	May be limited (varies by plan type)	Nationwide coverage
Best For	Those wanting extra benefits and lower premiums	Those wanting freedom and predictability

When Can I Enroll in a Humana Medicare Plan? 📆

Initial Enrollment Period (IEP)

When you first become eligible for Medicare (typically at age 65), you have a 7-month window:

• 3 months before your 65th birthday month
• Your birthday month
• 3 months after your birthday month

Annual Enrollment Period (AEP)

October 15 – December 7 each year. Changes become effective January 1.

Medicare Advantage Open Enrollment Period

January 1 – March 31 each year. You can switch from one Medicare Advantage plan to another or drop your Medicare Advantage plan and return to Original Medicare.

Special Enrollment Periods (SEP)

Certain qualifying events allow you to enroll or change plans outside of normal enrollment periods:

• Moving to a new service area
• Losing other health coverage
• Moving into or out of a nursing home
• Qualifying for Extra Help with Part D costs
• Chronic condition Special Needs Plans qualification

📅 Don’t miss critical enrollment deadlines! Review our complete Medicare enrollment guide.

Why Choose HealthPlan4U for Your Humana Medicare Plan? ⭐

As an independent licensed insurance broker in Tampa Bay, Timothy Gibson represents Humana and multiple other major carriers. This means:

• ✓ Unbiased Advice: We compare Humana plans against other carriers to find your best option
• ✓ No Cost to You: Our services are completely free – insurance companies pay us
• ✓ Local Expertise: 16+ years of experience serving Hillsborough, Pinellas, Pasco, Polk, and Orange Counties
• ✓ Personalized Service: One-on-one consultations to review your specific needs
• ✓ Ongoing Support: Annual plan reviews and assistance with claims or coverage questions
• ✓ Medicare Enrollment Specialists: We handle the enrollment process from start to finish

🧠 Learn what your Medicare broker should be doing for you.

Get a Free Humana Medicare Plan Comparison 📋

Ready to explore Humana Medicare plans in your area? Contact HealthPlan4U today for a free, no-obligation consultation:

📞 Call: 813-501-5011
📧 Email: tim@healthplan4u.com
🌐 Website: www.healthplan4u.com/contact

We’ll help you compare:

• Humana Gold Plus HMO plans
• HumanaChoice PPO plans (including Part B Giveback options)
• Humana Medicare Supplement Plans G and N
• Humana Part D prescription drug plans
• Plans from other top-rated carriers

Schedule Your Free Medicare Plan Review 🗓️

During your consultation, we will:

• Review your current coverage and healthcare needs
• Compare Humana plans available in your ZIP code
• Check if your doctors and medications are covered
• Calculate your total estimated costs for each plan option
• Help you enroll in the plan you choose

🧠 New to Medicare? Start with our comprehensive Guide to the Four Parts of Medicare.

Important Disclosures ⚠️

Humana is a Medicare Advantage HMO, PPO, and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana also offers Medigap policies insured by Humana Insurance Company or Humana Health Insurance Company of Florida, Inc. Enrollment in any Humana plan depends on contract renewal.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums, and/or member cost-share may change on January 1 of each year.

For Medicare Advantage plans: You must continue to pay your Medicare Part B premium. Part B Premium Reduction is not available with all plans. Availability varies by location. Plans with $0 premium are not available in all areas.

For Medicare Supplement plans: Applicants are subject to underwriting. Acceptance is not guaranteed. Pre-existing condition waiting periods may apply.

HealthPlan4U (TRG Life and Health Insurance) is an independent insurance agency and is not affiliated with or endorsed by Humana or the federal Medicare program. We represent multiple Medicare carriers including but not limited to Humana, United Healthcare, and Devoted Health.

Licensed in Florida | License #: L111402
Service Areas: Hillsborough County, Pinellas County, Pasco County, Polk County, Orange County