Complete Guide to Humana Medicare Part D Prescription Drug Coverage

Medicare Part D provides prescription medication coverage through private insurers like Humana. Eligibility depends on whether you're enrolled in Medicare Part C (Medicare Advantage) or Original Medicare. You can access Part D coverage either by joining a Medicare Advantage plan with integrated drug benefits or by purchasing a standalone prescription drug plan compatible with Original Medicare.

If you're enrolled in a Humana Medicare Advantage Plan that includes prescription coverage, enrolling in a separate Part D plan isn't necessary. Doing so could lead to disenrollment from your Advantage plan and reverting to Original Medicare.

Typically, you can opt for a standalone plan if your Advantage plan lacks prescription coverage. Humana offers various Part D plans, each with different medication lists, costs, and pharmacy requirements. Common plans include the Humana Enhanced Plan, which covers a broad range of medications without deductibles, and the Humana Walmart Rx Plan, known for low premiums and a decent drug selection. Monthly premiums are payable alongside your Part B premium, and coverage rules can vary, including limits on medication quantities. Comparing plans online helps find the best fit for your needs and budget.