Humana and Senior Care Coverage

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Since 1961, Humana has played a key role in providing quality health care across the United States. Ranked as one of the largest health insurance carriers, Humana is a one-stop shop for health care needs. Original Medicare (Parts A and B) lay the groundwork for basic health care, but it doesn’t cover everything. Humana offers a wide range of plans to maximize insurance coverage. Their plan perks, including enrollment discounts, fitness membership, and a 24/7 registered nurse hotline, are impressive. We’ll get in the details of Humana’s insurance plans and what they cover below.

Overview of Humana’s Plans

Humana offers several different health care plans designed to meet a range of health and wellness needs, including:
  • Medicare Supplement (Medigap) plans
  • Medicare Advantage (Part C) plans, including dental, vision, and hearing care
  • Prescription Drug (Part D) plans
  • Medicare Special Needs (SNP) plans

Does Humana Cover Nursing Homes and Skilled Nursing Care?

Medicare Part A covers care in a skilled nursing facility and some home health care on a short-term basis. Approved coverage must be for a medically-necessary condition, administered by medically-certified personnel under a skilled care plan, and occur in a state-licensed skilled nursing care center.

Humana offers seven Medigap plans that pay for skilled nursing facility (SNF) care coinsurance benefits. Medigap Plans C, D, F, G, and N cover 100 percent of the coinsurance. Plan K covers 50 percent, and Plan L covers 75 percent. For non-medical needs, such as care for activities of daily living (ADLs), Medicare generally does not cover the costs of nursing homes and skilled nursing facilities; however, Medicaid may cover nursing home care.

Humana’s Medicare Advantage plans (Part C) include up to 100 days per benefit period in a skilled nursing care facility. There is a maximum out-of-pocket responsibility for what you’re required to pay a year for deductibles, copayments, and coinsurance on covered services.

FYI: Head over to our nursing home care versus skilled nursing care comparison for a breakdown of coverage.

Does Humana Cover Home Care?

Despite advancing age and illness, many people have a desire to remain in the comfort of their own home for as long as possible; however, to do so may require one-on-one assistance from a professional caregiver. Understanding that many people struggle to obtain the services and support they need to remain at home, Humana offers several in-home care support options for eligible Humana members.

Landmark Health

Landmark has been providing home care services for over 15 years. As a Humana Medicare Advantage member, you may be eligible for Landmark’s in-home care management program if you have multiple chronic conditions like coronary heart disease, diabetes, end-stage renal disease, or pulmonary disease. The Landmark team doesn’t replace your primary care doctor or other specialists. You’ll continue to see the providers you know and trust, while getting additional support from Landmark’s in-home medical team of doctors, nurse practitioners, and pharmacists.1

SeniorBridge

Humana Cares offers SeniorBridge in-home care to make it easier and more affordable, even when faced with functional and medical challenges. For over 20 years, SeniorBridge has provided a variety of individualized home care for complex health care needs. If you have a Humana plan, be sure to verify your Humana Cares SeniorBridge coverage and requirements. It’s important to note that SeniorBridge is not available nationwide. Their services are offered in 23 locations across nine states.

From the Pros: Head over to our picks for the best Medigap plans in 2022 to find out why Humana earned high marks!

Does Humana Cover Hospice Care?

Determining when a loved one needs hospice care is an emotionally challenging decision. Hospice care, also known as end-of-life care, supports the medical, physical, social, emotional, and spiritual needs of a terminal patient. Medicare-certified hospice and palliative care are usually provided in your home or other facility where you live, like a nursing home. You can also get hospice care in an inpatient hospice facility.2

All of Humana’s Medigap plans include Medicare Part A hospice care coinsurance or copayment. Medigap plans A, B, C, D, F, G, and N cover 100 percent of the coinsurance or copayment. Medigap Plan K covers 50 percent, and Plan L covers 75 percent.

If you are enrolled in Humana Medicare Advantage (Part C), Medicare will cover hospice services even if you decide to keep a Medicare Advantage or other Medicare plan. Your Medicare Advantage plan may cover services that aren't a part of your terminal illness, or conditions related to your terminal illness, when you receive hospice care.3

Humana also offers a Value-Based Insurance Design (VBID) model for Medicare Advantage members moving into end-of-life care via hospice. Humana partners with VBID-specific palliative care providers to support members who may benefit from a palliative care program combined with their Medicare Advantage plan coverage. The model strives to lengthen the time members are enrolled in hospice care, allowing them to stay at home and avoid expensive and sometimes unnecessary hospitalizations near the end of their life.4 The Humana VBID pilot program is currently available in limited states under certain Medicare Advantage plans.

From the Experts: If you or your loved one is battling cancer and in need of hospice, Humana was ranked as one of our top Medigap carriers for seniors with cancer

Does Humana Cover Assisted Living?

Assisted living is a long-term care option in an apartment-like accommodation where basic assistance with activities of daily living (ADLs) is provided. According to the Genworth Cost of Care report, the median yearly cost for an assisted living facility in the United States in 2021 was $54,000.5 This can quickly deplete a family’s hard-earned savings. Since the care provided is non-medical in nature, costs are not covered by Medicare or Medicaid.

The only type of insurance that can be used to pay for assisted living costs is a long-term care insurance policy. Neither Humana’s health care insurance nor their Medicare supplemental insurance policies cover the costs of an assisted living facility. If you have (or are considering) a long-term care insurance policy, verify the range of coverage for assisted living.

How Do I Enroll in a Humana Medicare Plan for Senior Care?

Humana makes it easy to find which plans are available in your area, compare plan benefits, and review plan costs! Humana’s online enrollment is user-friendly and delivers immediate plan pricing. If you prefer to speak with a representative over the phone, licensed Humana sales agents are ready to help guide you through the process. You can call them directly or request a call at your convenience. As you explore health insurance options, consider coverage and costs of long-term care needs, including in-home care, skilled nursing care, and hospice care.

Pro Tip: Our in-depth review of Humana’s Medicare Supplement plans includes a step-by-step guide for online enrollment.

What Other Options Exist to Pay for Senior Care?

Someone turning 65 today has nearly a 70 percent chance of needing some type of long-term care and support during their remaining years.6 Most long-term senior care is not medical in nature. It often falls into the personal care category, like assisting older adults with ADLs such as bathing and dressing, medication management, housekeeping, and meals.

Medicare doesn’t cover long-term care (also called custodial care) if that's the only care you need.7 Medicaid and Veterans benefits may cover some long-term care. However, the level of care and coverage varies. This means that many times, the costs of senior care will need to be paid by alternative means, which may include:

Are you interested in learning more about using long-term care insurance for senior care? In the video below, Jeff Hoyt, our editor-in-chief, explains how LTC insurance can help lessen the financial burden of care during our golden years.

Don’t Leave Your Hard-Earned Benefits Behind. Call to get connected with a licensed agent. (855) 954-2561 | TTY: 711

Senior Living is an online lead generator that helps connect consumers with licensed insurance agents. MEDICARE ADVANTAGE AND PDP: This site provides referrals to representatives of Medicare Advantage organizations and stand-alone PDP prescription drug plans that have Medicare contracts. Enrollment in any plan depends on contract renewal. The plans represented do not discriminate on the basis of race, color, national origin, age, disability, or sex. To learn more about a plan’s nondiscrimination policy, please contact the plan. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease. You must have both Part A and B to enroll in a Medicare Advantage plan. Members may enroll in the plan only during specific times of the year. Some Medicare plans are not available in all areas, and costs, coverage, and benefits vary by location. MEDICARE SUPPLEMENT: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. PRIVATE SITE: This is a non-government website, and is not endorsed by the Centers for Medicare & Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government agency. The purpose of this communication is to connect individuals with a licensed insurance agent. Contact will be made by an insurance agent or a phone representative who can connect you to a licensed insurance agent. AGREEMENT TO TERMS: If you use submit your information through this website, you agree to the Privacy Policy and Terms & Conditions linked below, and to be contacted by a licensed insurance agent or a phone representative who can help connect you to a licensed insurance agent in your area to help review your coverage and options. NOT ALL PLANS OFFERED: The licensed agent to whom you are connected may not offer all plans in your area. Any information provided is limited to those plans the licensed agent does offer in your area. To explore all plans, please contact Medicare.gov or 1-800-MEDICARE.

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Written By

Maureen Stanley

Writer & Editor

Maureen joined SeniorLiving.org with more than 10 years of experience writing in health, lifestyle, and nutrition for premium brands like General Mills, Westinghouse, and Bristol Myers Squibb. Her passion for empowering older adults is evident in coverage of topics like retirement, health… Learn More About Maureen Stanley

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Citations
  1. Humana. (2022). Landmark in-home care management.

  2. Medicare.gov. (2022). Hospice care.

  3. Medicare.gov. (2022). What Part A covers – How hospice works.

  4. HumanaNews. (2021). Humana Begins Coverage of Hospice Services as Part of Medicare Demonstration.

  5. Genworth. (2021). Cost of Care: Trends & Insights.

  6. Administration for Community Living. (2022). LongTermCare.gov – How Much Care Will You Need?

  7. Medicare.gov. (2022). Long-term care.