Other Humana Sites Help Español Shop for Plans Member Resources Sign in Home Medicare Comparing Medicare plans What to look for when comparing Medicare plans Understanding what Medicare covers—and what it doesn’t—is the first step toward choosing the coverage options that best meet your particular needs. The following information can help you compare your Medicare options so you can choose your plan with confidence. Compare types of Medicare coverage Original Medicare Medicare Part A – hospital coverage What it covers: Hospital care Skilled nursing facility care Nursing home care (as long as that isn't the only care you need) Hospice care Home healthcare What it costs: Most people don't pay a monthly premium for Medicare Part A, if they worked and paid Medicare taxes. However, there are costs you may have to deal with. Other Part A costs in 2021:1 There is an annual deductible of $1,484 for inpatient hospital stays. There is a $371 per day coinsurance payment for inpatient hospital stays for days 61 to 90. After day 91, there is a $741 daily coinsurance payment for each lifetime reserve day used. After the maximum 60 lifetime reserve days are exhausted, there is no more coverage under Part A for inpatient hospital stays. There is a 20% copay for Medicare-approved durable medical equipment (DME). Medicare does not cover any room and board costs for hospice care in your home or in a nursing home if that is where you live. There is a $185.50 coinsurance payment for days 21 to 100 for a skilled nursing facility stay.2 After day 100, you are responsible for all costs. There is a 20% copay for mental health services connected with a hospital stay. Medicare Part B – medical coverage What it covers: Medically necessary doctor services Outpatient care Chiropractic care Home health services DME Many preventive services What it costs:3 Most Medicare and Medicare Advantage 2021 plan members must pay a monthly premium of $148.50 or higher depending on your income. If you don't enroll in Medicare Part B as soon as you are eligible, you could be assessed a late enrollment penalty when you do enroll. The penalty could be as high as a 10% increase in your premium for each 12-month period that you were eligible but not enrolled. If you earn over $85,000 ($170,000 for joint filers), you’ll pay a higher monthly premium for Part B. Other Part B costs: There is a $203 annual deductible for Medicare Part B in 2021. After the deductible, you’ll pay a 20% copay for most doctor services while hospitalized, as well as for DME and outpatient therapy. There is a 20% copay of the Medicare-approved amount for doctor visits to diagnose a mental health condition after the deductible. If you receive these services at a hospital outpatient department or clinic, additional copays or coinsurance amounts may apply. There is a 20% copay of the Medicare-approved amount for outpatient services, after the deductible. Medicare Advantage What it covers: Medicare Advantage plans are required by law to provide—at minimum—the same coverage, benefits and rights provided by Original Medicare Part A and Part B, with the exception of hospice care. Many Medicare Advantage plans also offer: Prescription drug coverage Dental, vision and hearing benefits What it costs: Plans vary in cost, coverage, deductibles and copays. Many Medicare Advantage plans offer affordable or $0 dollar premiums plus a variety of additional benefits over Original Medicare. Medicare Advantage plans include: Health maintenance organization (HMO) plans Preferred provider organization (PPO) plans HMO point of service (HMO POS) plans Private-fee-for-service (PFFS) plans Special Needs Plans (SNPs) See costs and coverage for Humana Medicare Advantage plans Medicare Part D What it covers: Medicare Part D covers prescriptions drugs. What it costs: Premiums, covered drugs, deductibles, coinsurance and copays will vary by plan. There’s a late enrollment penalty if you don’t enroll in an approved Medicare drug plan (including a Medicare Advantage plan) when you’re first eligible or have other credible prescription drug coverage. If you earn over $88,000 ($176,000 for joint filers), you’ll pay a higher monthly premium. See costs and coverage for Humana prescription drug plans Medicare Supplement plans What it covers: Offered by private companies, Medicare Supplement insurance plans help offset some Original Medicare out-of-pocket costs. These plans can only be paired with Original Medicare; they cannot be added to a Medicare Advantage plan. What it costs: See costs and coverage for Humana Medicare Supplement insurance plans Sources “Medicare Costs at a Glance,” Medicare.gov, last accessed July 17, 2020, https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance , opens new window . “Skilled nursing facility (SNF) care,” Medicare.gov., last accessed July 17, 2020, https://www.medicare.gov/coverage/skilled-nursing-facility-snf-care , opens new window . “Medicare Costs at a Glance.” Explore Medicare Enrollment and eligibility Medicare coverage Medicare costs Medicare explained Humana answers your Medicare questions Enrollment and eligibility How do I check if I’m eligible to enroll in Medicare? Medicare coverage 10 frequently asked questions about Medicare coverage Enrollment and eligibility How to switch from Original Medicare to Medicare Advantage More about Medicare Find the information you need How can we help? Call us Licensed Humana sales agents are available daily, 5 a.m. to 8 p.m., local time. 1 - 888 - 371 - 9538 (TTY: 711) See plans in your area Enter your ZIP code below to see plans with their premiums, copays, and participating doctors and pharmacies. ZIP code * Shop plans Request a call Our licensed Humana sales agents are available to help you select the coverage that best meets your needs. Request a call Back to top Medicare Dental Vision Medicaid Pharmacy Member Resources Find a Doctor Sign in to MyHumana Sign in to Go365.com Employers Agents & Brokers Providers Caregivers About Humana Contact Us Careers Investor Relations Corporate Responsibility © Humana 2021 Legal Privacy Policies Internet Privacy Statement Site Map Disclaimers & Licensure Fraud, Waste & Abuse Accessibility System Requirements This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional. You should consult your doctor to determine what is right for you. Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal. Some links on this page may take you to Humana non-Medicare product or service pages or to a different website. Y0040_GNHKMBZEN Last Updated: 10/01/2019