Cost advantages. “We have countless incidents of retirees that I’ve talked to that have had hospital stays, major surgeries, things of that nature with either zero out-of-pocket or next-to-zero out-of-pocket [expenses].” For example, Sapp describes one union retiree who had “zero” out-of-pocket expenses after staying in the hospital to treat a heart condition, and another who paid “very little out of pocket” for a transplant.
Administrative ease. “Another advantage of using Humana from an administrative standpoint is [its] ability to work with providers to keep them in the network. And that is very important: retirees want to know that they can go to the same providers that they’ve been used to using.”
Enhanced health. Humana’s SilverSneakers® health and fitness program is designed to provide retirees with access to gym memberships that fit their workout style. “As we get older, the medical providers are constantly telling you, you need to exercise, you’ve got to move more,” Sapp says. “It helps your blood pressure, helps your overall mental health in a lot of cases. So having that gym membership and being able to go and exercise at no cost is really another great added benefit.”
