Certainly, not all Medicare Part D plans are created alike. And when you know the real score about the state of Part D plans, you will know that it’s hard to choose one – because there can be as many as 100 plans from 50 different plan providers in one county alone.

But there are brands that do stick out. Humana Medicare Part D plans are one of them. Just what makes them so different? Taken as a group, you can say that you always have a choice with Humana. It has three stand-alone Part D prescription drug plans (PDP), which you can supplement to your original Medicare plan or Medicare Supplements.

 

The PDP plans are: (a)  Humana PDP Standard, which offers the minimum Part D coverage, (b) Humana PDP Enhanced, which has co-payments and no deductibles to pay, (c) Humana PDP Complete, which extensively covers generic drugs with no deductibles and low co-payments.

Humana also has Medicare Advantage plans if you ever need health coverage on top of your prescription drug plan.

WHAT MAKES HUMANA SO DIFFERENT

Humana is different in that it doesn’t just hard sell on their Medicare Part D plans, they also guide you through the whole Part D jungle. They actually help you understand Part D plans and make intelligent decisions. The company also keeps track of your costs – its sends out a monthly Smart Summary RxSM statement indicating the drugs you bought for the month and how much you spent.

This summary state can be viewed online on your personal Humana page. Your personal home page also comes with an Rx calculator to help estimate drug costs.

Of course, a complete education on Part D and the tracking feature on its website are not the only things that makes Humana different. With a lot of choices between its Part D plans, you get more than the sum of a prescription plan.

Humana’s Medicare-approved Part D plans covers ALL of the drugs that are commonly prescribed for senior citizens. Plus, the benefits also equal to and sometimes better than Medicare’s minimum benefits.

You cannot go wrong with Humana because you can buy drugs from over 54,000 locations, including Sam's Club, Wal-Mart, Rite-Aid, CVS, Brooks, Albertson’s, and Eckerd.

MORE THAN PRESCRIPTION DRUGS

Humana delivers more than prescription drug coverage. When you enroll in one of its drug plans, you get a personal password-protected web page, which offers a wealth of resources to help you make better decisions regarding your health care.

In addition, there is a drugstore that offers home delivery services through its Mail-order prescription drug service. If that isn’t enough, with a Humana Medicare plan, some drugs not covered by Medicare (like weight loss drugs) can be bought at a discount.

ABOUT MEDICARE PART D

Medicare Part D is not required for Medicare and Medicaid recipients. But if you’re one of those seniors who reaches out to your medicine cabinet each morning, then Part D prescription are what you need.

The reactions to Part D have been mixed – some praise it while others rue it for making prescription drugs more inaccessible. With a Humana prescription drug plan, however, you definitely get a good deal.