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Humana, one of the largest health insurance providers in the United States, offers Medicare Advantage plans that come with many benefits and services ranging from fitness programs to mail-delivery pharmacy services to a 24/7 nurse advice hotline.

Humana offers insurance coverage to pay for costs not already provided for by Medicare or Medicaid. Humana offers several different plans to meet various needs such as:

  • Medicare Advantage (Part C) plans, an all-in-one plan, offering all the benefits of Medicare Parts A and B, plus additional benefits and coverage
  • Medicare supplement plans to add to Medicare Parts A and B to help cover costs such as coinsurance and deductibles
  • Medicare Advantage plans which combine original Medicare coverage with prescription drug benefits, dental and/or vision coverage
  • Prescription drug plans to help cover medication costs
  • HMO and PPO plans offering budget-friendly choices

Humana Insurance to Pay for Nursing Homes and Skilled Nursing Care

Medicare generally does not cover the costs of nursing homes and skilled nursing facilities; although, Medicare Part A will cover skilled nursing care under specific conditions and with specific time limitations. Medicaid may cover nursing home care. Individuals who have Humana insurance coverage may be able to utilize it to pay for the costs of nursing homes or skilled nursing facilities, especially when the care is provided by medically certified personnel under a skilled care plan written by a physician in a state licensed skilled nursing care center.

Humana Insurance to Pay for 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. 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 healthcare insurance nor their Medicare supplemental insurance policies cover the costs of an assisted living facility.  Check the coverage of individual long-term care insurance policies to verify their coverage for assisted living.

Humana Insurance to Pay for Hospice Care

Hospice care, also known as end-of-life care, is needed as health care needs rise at the end of one’s life. Humana offers coverage options for both palliative and hospice care. The costs of hospice care are often provided by Medicare or Medicaid, insurance such as that offered by Humana and/or some private organizations. If coverage is not provided by any of these, the attending hospice organization will work with the person and their family to make sure the needed services are provided, often at no cost.

Humana Insurance to Pay for In-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 At Home offers SeniorBridge to make it easier and more affordable even when faced with functional and medical challenges.

SeniorBridge provides a variety of individualized home care and care management services that may be purchased separately. After assessing a person’s care needs, a customized care plan is created producing an individualized and integrated approach to care. Services may include hourly and live-in caregiving services provided by licensed professionals such as health aides, home care companions, licensed practical nurses and registered nurses. Home care services include companionship and assistance with activities of daily living. Medical assistance is provided by private-duty nurses to help with such things as wound care, injectable medications, tracheotomy care, tube feeding and end-of-life palliative care.

SeniorBridge may be obtained as a private pay offering and is not restricted to Humana insurance members. If you have a Humana plan, it’s important to verify your Humana At Home and SeniorBridge coverage and options. Most policies such as this require that a doctor determines the care to be medically essential (requires skilled nursing care) for the person’s well-being and overall health.

Most private insurance plans cover limited home care services for short periods of time. Many government-sponsored programs pay for home care for those who meet certain eligibility criteria.

Where Can I Get Humana Insurance to Pay for Senior Care If I Don’t Already Have It?

It’s always advisable to have insurance coverage in place before you need it. As you consider your health insurance needs, it’s best to also consider your long-term care needs and to keep your options open for in-home care, skilled nursing care and hospice care. Although insurance coverage can be obtained online, an insurance agent can easily and quickly help you determine the right policy for you and your needs, both now and in the future.

What Other Options Exist to Pay for Senior Care?

Most long-term senior care is not medical in nature, falling into the personal care category. Personal care is not covered by Medicare or Medicaid unless it’s provided in a skilled care setting under a skilled care plan in a skilled care facility. Even then, there are limits. This means that many times, the costs of senior care will need to be paid for using alternative means which may include:

  • Personal savings and retirement accounts
  • Long-term care insurance policies purchased prior to the need for them
  • Reverse mortgages allow homeowners to draw on the equity of their home
  • Some life insurance policies allow a certain percentage of the policy’s face value to be used to pay for costs such as these under certain conditions
  • Accelerated death benefits may be allowed under certain conditions by life insurance policies
  • Long-term care annuity contracts
  • A life settlement (through the sale of a life insurance policy to a third party)

Some of these options have conditions and restrictions that must be met, while others require prior planning and purchase prior to needing them.

Written By

Jeff Hoyt

Editor in Chief

Since graduating from Harvard with an honors degree in Statistics, Jeff has been creating content in print, online, and on television. Much of his work has been dedicated to informing seniors on how to live better lives. As Editor-in-Chief of the personal… Learn More About Jeff Hoyt

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