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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. Humana’s waivers includes costs related to COVID-19 treatment by both in-network and out-of-network facilities or physicians. Humana’s cost sharing waivers currently have no end date, as the company plans to readdress the situation as needed. CHCBP is a premium-based plan that offers temporary transitional health coverage for 18 to 36 months after TRICARE eligibility ends. It acts as a bridge between military health.

During this time of uncertainty, Humana continues to invest in efforts to help people achieve their best health and that now includes waiving all cost sharing—including copays, coinsurance,. Humana is waiving all copays, coinsurance, and deductibles for all in-network primary care, behavioral health, and telehealth visits for its Medicare Advantage customers for the remainder of 2020. In addition, the company is sending a safety kit that includes masks and health advice information to its Medicare Advantage members to help them see.

Published April 2, 2020

Follow our Medicare Coronavirus News page for related information on coronavirus (COVID-19) and its impact on Medicare beneficiaries.

The Centers for Medicare & Medicaid Services (CMS) mandated in early March that all testing for COVID-19 be covered in full by Medicare and private Medicare insurance carriers. A COVID-19 vaccine will also be covered if and when one becomes available.

Now, some private insurance carriers are going a step further by eliminating cost-sharing for COVID-19 treatment protocols as well.

Cigna, Humana and Aetna have each taken measures to reduce out-of-pocket spending for their Medicare plan members who undergo treatment for the disease. These out-of-pocket costs can include plan deductibles, coinsurance and copayments.

COVID-19 treatment can potentially include inpatient hospital stays, doctor’s office appointments, inpatient skilled nursing facility stays, home health visits and emergency ambulance transportation.

These services can typically come with costs such as copays and deductibles.

With waived coinsurance and deductibles for COVID-19 treatment, savings can add up

Cigna and Humana both waived COVID-19-related cost-sharing for their Medicare Advantage (Medicare Part C) plans.

Medicare Advantage plans cover the same inpatient and outpatient services and items that are covered by Original Medicare (Medicare Part A and Part B).

While Original Medicare is provided by the federal government, private insurance companies administer Medicare Advantage plans.

Some of the out-of-pocket costs that a beneficiary who has Original Medicare may face if they receive covered COVID-19 treatment include:

• Beneficiaries who have Original Medicare and who receive inpatient hospital treatment for COVID-19 will typically have to pay the 2020 Medicare Part A deductible of $1,408 for each benefit period that they receive inpatient care.
  There are also Part A daily coinsurance costs for lengthy hospital stays that last longer than 60 days.
  
• Beneficiaries who have Original Medicare and who receive outpatient care must pay the 2020 Part B deductible of $198 per year before Medicare covers the costs of their outpatient care.
  After meeting the Part B deductible, beneficiaries typically pay a 20 percent coinsurance or copay for covered services and items.

For members of Medicare Advantage plans from Cigna and Humana, however, those costs will be waived for covered COVID-19 treatment.

“Our customers with COVID-19 should focus on fighting this virus and preventing its spread,” David M. Cordani, President and CEO of Cigna¹

“While our customers focus on regaining their health, we have their backs,” David Cordani, President and CEO of Cigna, said in a statement.

Humana Waiving Copays For Covid

Cigna’s cost-sharing waiver expires May 31, 2020.

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“We know we’re uniquely positioned to help our members during this unprecedented health crisis,” said Bruce Broussard, President and CEO of Humana. “It’s why we’re taking this significant action to help ease the burden on seniors and others who are struggling right now.”²

Humana’s waivers includes costs related to COVID-19 treatment by both in-network and out-of-network facilities or physicians.

Humana’s cost sharing waivers currently have no end date, as the company plans to readdress the situation as needed.

Aetna, a CVS Health company, is also dismissing COVID-19-related inpatient cost-sharing for its members.

“The additional steps we’re announcing today are consistent with our commitment to delivering timely and seamless access to care as we navigate the spread of COVID-19,” said Karen S. Lynch, president of Aetna Business Unit. “We are doing everything we can to make sure our members have simple and affordable access to the treatment they need as we face the pandemic together.”³

Aetna’s cost-sharing waiver for inpatient admissions to any in-network facility for treatment of COVID-19 is currently in effect until June 1, 2020.

Humana Waiving Copays

As a number of states start to come online and reopen, Humana has announced that it is waiving member costs for all primary care and behavioral health visits for its 4.5 million Medicare Advantage members through the end of the year.

For its population of seniors enrolled in its MA plans, Humana is waiving all cost sharing, including copays, coinsurance and deductibles – for in-network primary care and behavioral health – for both in-person and telehealth visits.

These expanded cost-share waivers are effective as of May 1 and will remain in place through the end of 2020.

WHY THIS MATTERS

Humana is waiving in-network primary care costs, not only for COVID-19 costs, but all primary care visits for the rest of 2020. In addition, the company is waiving member costs for outpatient, non-facility-based behavioral health visits through the end of year.

Behavioral health issues, like depression, may be exacerbated because of the pandemic.

By eliminating these costs, members can re-engage with their physicians for primary care and behavioral health needs whether in-person or virtually.

The company is also delivering safety kits to members' homes that include masks and health-advice information.

THE LARGER TREND

The announcement follows new company COVID-19 prevention standards the company announced this week for its senior-focused primary care subsidiaries.

Humana Waiving Copays In 2020

Many insurers have waived out-of-pocket costs related to testing and treatment for the coronavirus, and some, such as Humana, have waived cost-sharing for inpatient care.

Humana has also expanded telehealth services for at-home care, connected at-risk members with food delivery and expanded pharmacy deliveries.

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ON THE RECORD

Bruce Broussard, president and CEO of Humana said, 'These actions are the latest in a series of efforts we're taking to support Humana members and help them best manage their chronic conditions and other health issues and ensure that we're living up to our commitment to meet their needs. By supporting members' safety and lowering financial barriers, we can also help facilitate the re-opening of the healthcare system and help bolster the economy.'

Twitter: @SusanJMorse
Email the writer: susan.morse@himssmedia.com

Humana Waiving Copays For Providers

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