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Now that you know the different options, what are your next steps? When can you enroll? If you’re turning 65, you may enroll anytime during the first three months right before the month of your birthday, your birthday month, and the three months after your 65th birthday. You may also enroll if you qualify due to disability. If you’re already 65 or older, there is an annual election period each year from October 15th to December 7th, during which you can either enroll for the first time in a Medicare Advantage or Prescription Drug Plan or switch your current plan.

Why Humana? We’ve been in the Medicare business for nearly 30 years. We’re known for not only giving you great value for your money, but also helping you make positive changes to your life and health. With a Humana Medicare Advantage plan, you get— • $0 monthly plan premium • Prescription drug coverage • Access to mail-order prescription drug pharmacies

• 24-hour nurse advice line • Rewards for completing preventive health screenings and activities

Plus access to a wide network of doctors and hospitals.

Ready to enroll? You may still have questions. Humana can help you with these answers. No obligation to enroll.

Let’s get you talking about Medicare. Call to speak with a licensed Humana sales agent today. Toll free 1-855-286-1975 (TTY: 711) 8 a.m. - 8 p.m., 7 days a week ¿En español? Llame gratis al 1-855-311-4660

Humana Medicare Advantage Plans Humana Medicare Advantage Plans Humana Medicare Advantage Plans Humana Medicare Advantage Plans Bringing you more value than Original Medicare.

Understanding your Medicare options Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. 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, premium and member cost share may change on January 1 of each year. You must continue to pay your Medicare Part B premium. The provider network may change at any time. You will receive notice when necessary. Newspaper advertising supplement to St. Louis Post-Dispatch. Applicable to Humana Gold Plus® (HMO) H2649-023. Humana Inc. and its subsidiaries (“Humana”) do not discriminate on the basis of race, color, national origin, age, disability, or sex. English: ATTENTION: If you do not speak English, language assistance services, free of charge, are available to you. Call toll free 1-855-286-1975 (TTY: 711). Español (Spanish): ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame gratis al 1-855-311-4660 (TTY: 711). 繁體中文 (Chinese): 注意:如果您使用繁體中文,您可以免費獲得語言援助服務。請致電 1-855-286-1975 (TTY: 711)。 Y0040_GHHJETKEN17a_40 Accepted KS-MO 10/16

A Humana guide to Medicare

What are your options? There are two main ways to get your Medicare coverage—


Original Medicare


Medicare Advantage plans

You can also purchase additional coverage like • Prescription drug plans • Medicare supplement insurance

What is a Medicare supplement plan? A Medicare supplement insurance policy can help pay some of the healthcare costs that Original Medicare doesn’t cover. These include deductibles and coinsurance.

What are prescription drug plans (Part D)? There are two ways to get Medicare prescription drug coverage – by purchasing a stand-alone Medicare prescription drug plan (PDP), or enrolling in a Medicare Advantage plan (Part C) that includes Medicare prescription drug coverage.

Let’s recap: ORIGINAL MEDICARE Enrolled in both parts of Original Medicare

Let’s take a look at what that means. What is Original Medicare? Original Medicare is the federal health insurance program for people 65 years old or over, for people under 65 with certain disabilities, or people with end-stage renal disease. The different parts of Medicare help cover specific services.

What are Part A and Part B? Medicare Part A (hospital insurance) Part A helps cover inpatient hospital stays, skilled nursing facility care, hospice care and some home health care.

MEDICARE ADVANTAGE PLANS (PART C) Enrolled in Medicare Advantage with Part D built in

Part A (hospital)

Part A (hospital)

Part B (medical)

Part B (medical)

If you want additional coverage, you will need to purchase separate insurance for: Prescription drugs (Part D) Medicare supplement

Part D (prescription drugs)* You may also get these benefits included in some plans: Vision care Dental care Gym membership

Medicare Part B (medical insurance)

Mail-order pharmacy access

Part B helps cover certain doctors’ services, outpatient care, medical supplies and preventive services.

A 24-hour nurse advice line

What is Medicare Advantage (Part C)? Medicare Advantage plans include the same coverage as both Part A and Part B of Original Medicare. A Medicare Advantage plan may be a better choice for you compared to Original Medicare, as some plans include additional benefits not covered by Original Medicare, like prescription drug coverage, vision, hearing, dental and fitness programs.

*Humana does offer some Medicare Advantage plans without Part D prescription drug coverage.

Next steps


10.19.16 Local Circulars

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