Does Medicare Plans from Humana Cover Routine Vision Care?
If you’ve been debating Medicare Advantage plans and wear contacts or glasses, there are lots of options to consider. Humana offers a variety of plan options including vision coverage included in some packages. If your budget is tight but still want the benefits that come with having eye care covered by insurance, then opting for an add-on will be best if available to you.
If you’re looking into getting Medicare at age 65 and have worn contact lenses or prescription eyewear throughout life so far, it’s important not only look out for any ongoing expenses like these – which may seem negligible now – but also what type of coverage they offer when choosing your new health plan option from private companies such as Humana who provide all sorts services related
When does Medicare cover vision care?
If you are enrolled in Original Medicare (Part A and Part B), then chances are that your eyesight will be limited. For example, if something happens to one of your eyes while under the coverage for medical treatment related to an injury; however, there is no coverage available for anything else such as cataract surgery or eye exams.
Medicare insurance does cover eye exams and prescription lenses for certain circumstances. For instance, Medicare Part B will help pay for one pair of eyeglasses or contact lens after you have had cataract surgery that implants an intraocular lens; as well as a yearly eye exam if someone has diabetes. It is necessary to first pay the 20% out-of-pocket cost plus all deductibles set by Medicare before they are reimbursable with coverage from your medical plan.
Do Humana’s Medicare Advantage plans cover routine vision care?
Some Humana Medicare Advantage plans include coverage for routine vision care like a routine exam. You may also be able to enroll in a Humana MyOptionSM vision plan to add on to your Humana Medicare Advantage plan.
Humana offers the following Medicare Advantage plans:
- Humana Medicare Advantage Health Maintenance Organization (HMO) plans, which may require you to select a primary-care provider and get all of your care in network, except for medically-necessary emergency care.
- Humana Medicare Advantage Preferred Provider Organizations (PPO)* plans, which let you see any doctor who accepts Medicare, but may offer significant cost savings if you use in-network providers.
- Humana Medicare Advantage Private Fee-for-Service Plans (PFFS), which lets you see any doctor or facility that accepts Medicare and the terms of your plan.
Depending on the Medicare Advantage plan you choose from Humana, you may be able to add the optional supplemental benefits for routine vision care mentioned above. Humana MyOptionSM vision plan benefits include:
- An annual allowance to use toward a routine annual eye exam. Benefits can be used with both in-network and out-of-network providers.
- An annual allowance toward the purchase of one pair of prescription eyewear or contact lenses.
Humana MyOptionSM vision plan benefits can be added to your Humana Medicare Advantage plan at any time during the year, if they are available in your location and allowed with your plan. However, you can generally sign up for Medicare Advantage plans during certain time periods.
What should I know about Humana’s Medicare Advantage plans and routine vision care?
Humana is an insurance company that offers health benefits to Medicare-approved members. Every plan type and benefit may be available in every area, but premiums will vary depending on the member’s service area.
You must continue to pay your Medicare Part B premium each month and any additional premium the plan may require if you enroll in a Medicare Advantage plan.
You may be required to use Humana network providers to access the full benefit for your routine vision care coverage.
Remember, you don’t lose any Medicare coverage when enrolling in a Medicare Advantage plan. By law they must offer the same benefits available under Original Medicare with the only exception being hospice care which is still covered by Part A of your original insurance through traditional means. These plans are simply an alternative way to get all of your original medicare needs met and can provide extra services that would not be possible without them such as routine vision or dental care depending on what level plan it is set at for its members while also providing many other advantages like no copays or coinsurance costs should something happen within their network hospital so make sure you research each one before deciding!
If you’d like, we can help you find and choose a Medicare Advantage plan option that may work for you. Just contact one of Medicare Advocates licensed insurance agents at the number located at the top of this page.
*Out-of-network/non-contracted providers are under no obligation to treat Humana plan members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Humana is a healthcare company that provides Medicare Advantage plans, PPOs and stand-alone prescription drug coverage. Unsurprisingly, enrollment in Humana’s services depends on contract renewal due to the ever changing health care landscape.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits, premiums and/or member cost-share] may change on January 1 of each year.
You must continue to pay your Medicare Part B premium.