I would suggest that you do some serious re-thinking...I am sorry that this post is late, but believe hyou have until March 31st to change your option.
Humana, as my Dr has told me, payts Dr's not to refer patients. The less they do, the more the primary care physician makes.
Most of my Dr's will not accept Humana as they feel that the patient is not well cared for under this plan. Now I am in Florida, and it may be different elsewhere, however, the bestway to choose a plan, is to ask a Dr you are most happy with, what plan they would recommend for their family if they were in your situation.
I found that most Dr's have the same thoughts about plans, and they all participate in the ones that they feel most comortable with.
Here in Florida we have SHINE councellors who will input your medication, illness and fequency of Dr visits and make recommendations about which plan gives the best coverage.
The big issue for us, seems to be part D medication. Many of our meds are non formulary so we pay much higher co-payments, they may not be covered at all, and the GAP can be devistating...(the length of the period where you need to pay full price for medications) before catastophic cost requirements have been met.
Any plan you consider, you should definately call up, provide a list of medications, dosages (mg) and amount used, then ask them to provide your monthy medication costs, when you will hit the GAP, medication costs in the GAP and finally how long the GAP will last. Then you can determine which plan will cover you with the least out of pocket.
Also, are your DR's in the plan? How much are your visits? Are they limited in the course of the year? If so, how do you manage the visits that are not covered. How many lab tests are covered (yes they limit these as well).
All of this should be added up, plus the premium you play...and compared to othe plans that may caost a monthly premium...you need to figure the net difference and see which makes more sense.
Insurance is a huge management issue for us as our care can vary so much, our meds are so expensive and we need to plan for any contingency.
Wow, I am sorry that i got on my soap box, however I just went through this with my in-laws, parents and myself (as I got approved for SSDI). it's very complicated and the wrong decision can cost alot of money, or as in m y fathder-in-laws case, almost his life (HUMANA did not cover the procedure required to save his life - nor did they cover the appropriate re-hab afterwards)
I hope this helps, feel free to IM me if I can offer anymore assistance.
Stephanie