Humana Frequently Asked Questions
The following are frequently asked questions regarding the Humana health care with prescription drug coverage plans.
Humana has a long history in providing Commercial and Medicare Advantage health plans. They offered their first private Medicare Advantage plans in 1985. Humana Medicare Advantage plans include a full spectrum of integrated, senior-focused care management programs designed specifically to meet seniors' needs. They also have a comprehensive suite of health management programs designed to address the entire continuum of health needs for MSU's retiree population.
There will not be an MSU premium associated with the Humana plans for retirees with full university contribution hired on or before July 1, 2002. For retirees that are not fully vested, the premium associated will be based on the vesting contribution level consistent with current practice.
There is no longer a higher cost plan, Retirees have one option for health care moving forward, you will either be on the Medicare or the non-Medicare plan.
Note: For retirees enrolled in the Humana Group Medicare Advantage PPO, as the process exists currently, Medicare will continue to charge you a Medicare Part B premium. Existing Part B costs, including Late Enrollment Penalty (LEP) or Income Related Monthly Adjustment Amount (IRMAA) fees will apply consistently with current practice.
In addition, since the Humana plan includes Medicare Part D prescription drug coverage, for most people a Medicare Part D cost does not apply. However, as with Part B, Medicare Part D Late Enrollment Penalty (LEP) or Income Related Monthly Adjustment Amount (IRMAA) fee may apply. For more information on costs for Medicare Parts B and D, please see the links below:
If your MBI and Part B entitlement are on record with MSU and your are enrolled in an existing MSU health plan, you will automatically be enrolled in the Humana Group Medicare Advantage PPO plan, and Humana will enroll you in Medicare Part D with the Center for Medicare and Medicaid Services (CMS). In this case, no action is needed on your part with CMS.
It stands for Medicare Beneficiary Identifier. In 2018, CMS started a project to replace the Social Security Number on the Medicare Health Insurance card. It also replaced the Health Insurance Claim Number (HICN) that providers used to process claims. On your Medicare card it is the 11-digit identifier under the title “Medicare Number.”
In the past, as a Medicare eligible individual with MSU CVS/Caremark Prescription Drug Program, I was informed that I did not need to enroll in Medicare Part D. If Humana is enrolling me in Medicare Part D prescription drug coverage, will I have to pay a late enrollment penalty because I did not enroll when first eligible?
As a Medicare eligible individual, enrolled in the MSU CVS/Caremark Prescription Drug Program, you will not be assessed a late enrollment penalty because you currently have other creditable prescription drug coverage through MSU. It is true that there is a late enrollment penalty if a person does not have other prescription drug coverage when first Medicare eligible, and the person does not enroll in Medicare Part D.
Yes, Humana has a broad, national provider network that is comparable to the networks currently in place for retirees.
In September, there will be a Humana Call Center for MSU that you may contact; the number will be coming soon. At the same time you will be able to check online. We will share the Humana website when it is complete.
The Humana plan details are drafted and going through a rigorous approval process that includes MSU, Humana Corporate and for the Humana Group Medicare Advantage PPO, the Centers for Medicare & Medicaid Services (CMS). The review is necessary for CMS compliance and Humana operational processes and policies. Upon completion of the review, MSU will provide a summary of benefits comparison so you may see how the new plan looks compared to the old plan. This information will be shared in September.
CMS is a federal agency in the US Department of Health and Human Services (HHS) and they administer the Medicare program and work in partnership with state governments to administer Medicaid, the Children's Health Insurance Program (CHIP), and health insurance portability standards. The new Humana Group Medicare Advantage PPO plan is a Medicare Advantage and Prescription Drug (MAPD) plan, and CMS requires that all MAPD plan designs and informational materials go through an approval process with CMS before they may be released to the public. The process is in place to protect consumers from fraud and abuse in the health care marketplace.
While the Humana plans combine health and prescription coverage, dental coverage is not impacted and will continue to be offered through Aetna and Delta Dental consistent with current practice.