Signing up for one of the Humana Medicare Advantage plans for 2017 can be quite different from signing up for Medicare or Medigap plans. These Advantage plans are unique in a lot of important ways, and we’ll cover some of those here for you.

Like Medigap plans, you can get these plans from a lot of different private insurance companies. They set their own rates and decide whether or not to carry the Advantage plans. But unlike Medigap plans, the Advantage ones are offered in a lot of different ways. They are basically offered on different type of network plans. Most commonly, they will be sold on an HMO or a PPO. Let’s discuss what those two terms mean for you.

An HMO is a health maintenance organization. If your plan is through an HMO, then you will only receive the agreed upon coverage from the Advantage plan if you go to one of the hospitals or clinics or doctor’s offices that are part of the HMO network. Not every healthcare facility will be part of the HMO, and some HMOs are smaller than others.

 

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A PPO is a preferred provider organization. This means that there is a network of healthcare facilities where the plan is accepted for its full coverage. But all the hospitals and clinics and so forth that are not on the network will allow you to be eligible for coverage for your plan. They just won’t provide as much. You only get partial coverage if you go to a healthcare facility that is not on your PPO’s network.

The Humana Medicare Advantage plans for 2017 will operate the same way as they always have. Other types of plans beyond these exists, but they are not as common. You will need to examine each of them to be able to make an informed decision as to what will be the best route for you to go.

When choosing an Advantage plan, you need to be careful about where you buy your plan from in relation to where you are located. Not every insurance provider is going to have a network that operates near you. In order to receive coverage with your plan, you may have to travel a lot. You need to take that into consideration as you mull your choices over. If you live far from any healthcare facility that is on any type of network, then you may want to just go with a PPO. At least that way you can still get some coverage no matter where you have to go for medical care.

Choosing the right one out of the available Humana Medicare Advantage plans for 2017 can be tricky. It’s not a choice you should be making haphazardly, as it can have long-lasting effects on your finances and healthcare coverage needs. If you feel like you are getting in over your head or you are not sure which provider to buy from, then you may want to talk to an insurance agent about your choices. You may also want to talk to your physician abut the kind of healthcare needs you are going to have in the coming years. That will help you prepare to face them when you experience them.

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