 Every year, Medicare evaluates plans based on a five-star rating system. Humana is a Medicare Advantage HMO organization with a Medicare contract. Enrollment in any Humana plan depends on contract renewal. It's not something you think about every day, so take the time to be intentional right now. I'm talking about emergencies in your home. Hi, I'm Sean Giss with Emergency Restoration Experts, or ERX. We see it every day. Homeowners are caught completely off guard, but if they'd just taken a few minutes to plan, things would have been much easier.