Minnesota Attorney General Raises Concerns Over Humana Medicare Advantage Coverage Changes
ST. PAUL, Minn. – Minnesota Attorney General Keith Ellison has issued a stern warning to health insurer Humana regarding potential "misinformation" disseminated during the Medicare open enrollment period. The issue centers around several prominent Minnesota health care provider networks – including Allina, Avera, Essential Health System, M Health Fairview Health Care System, Mayo Clinic (with HealthPartners), North Memorial Medical Center, and Sanford Health – announcing their decision to discontinue accepting specific Humana Medicare Advantage plans in 2025. This significant shift impacts approximately 60,000 Minnesotans who rely on Medicare Advantage for their healthcare coverage. These private plans, offering supplemental benefits beyond traditional Medicare, are chosen by many for their comprehensive coverage.
The core of the Attorney General’s concern lies in allegations that Humana, during the crucial Medicare enrollment period, listed these providers as "in-network" for their 2025 Medicare Advantage plans, despite the providers’ explicit announcements to the contrary. This alleged misrepresentation has raised serious concerns about potential financial ramifications for Humana’s Medicare Advantage enrollees. If patients continue to seek care from providers who are no longer in-network, they could face significantly higher out-of-pocket costs or even find their care completely uncovered. This situation creates a precarious financial burden for Minnesotans who rely on these plans for their healthcare needs.
Adding to the complexity of the situation is the possibility of coverage gaps for individuals who switch between Medicare Advantage plans in early 2025, further exacerbating the potential for disruptions in care. Attorney General Ellison has emphasized the importance of accurate information during the Medicare enrollment period, stating, "It’s my goal to help Minnesotans afford their lives and live with dignity, safety, and respect, and that becomes far more difficult when folks cannot afford the medical care they require." He has urged Humana to rectify the alleged misinformation swiftly and comprehensively, underscoring the critical need for Minnesotans to have access to accurate information when making decisions about their healthcare coverage.
Ellison has formally addressed his concerns in a letter to Humana, requesting a detailed response within five days. The letter specifically inquires about Humana’s plans, if any, to reimburse consumers who enrolled in their Medicare Advantage plans under the mistaken belief that their preferred providers would remain in-network. This potential reimbursement would cover care received at out-of-network providers through March 2025, mitigating the financial impact on those affected by the misinformation. The Attorney General’s office emphasizes the urgency of this matter and seeks a swift and transparent response from Humana.
In light of these developments, health officials are strongly recommending that all Medicare beneficiaries carefully review their plans before the open enrollment deadline on December 7th. This review should encompass potential cost changes, adjustments to formularies (lists of covered medications), and, crucially, any changes in provider networks. For those who may need to make adjustments after the December deadline, a separate open enrollment period for Medicare Advantage runs from January 1st to March 31st.
This situation serves as a critical reminder of the importance of diligently reviewing Medicare plan details during open enrollment. Resources like the Medicare Plan Finder (available online) can assist beneficiaries in navigating the complexities of plan selection. Additionally, the Minnesota Attorney General’s office advises individuals to verify their provider’s network status directly through the official Medicare website (www.medicare.gov) to ensure continued access to their preferred healthcare providers. Staying informed and proactive during open enrollment is essential for securing appropriate and affordable healthcare coverage.
