Paul Sanchez
Humana is a Medicare Advantage organization that offers Medicare Advantage (Part C) plans as an alternative to Original Medicare (Part A and Part B) plans. Medicare Advantage plans provide the same benefits as Original Medicare, including prescription drug coverage, and often include supplemental benefits, such as dental and vision care. Humana offers a range of Medicare Advantage plans, including HMO, PPO, PFFS, and SNP plans, which vary in terms of costs, coverage, and rules regarding choosing a doctor. These plans may also provide additional benefits, such as fitness programs and coverage for emergency healthcare when traveling abroad.
| Characteristics | Values |
|---|---|
| Headquarters | Louisville, Kentucky |
| Availability | Most states |
| Plan Types | HMO, PPO, PFFS, SNP, PDP, and more |
| Annual Maximum Out-of-Pocket Cost Limit | Yes |
| Prescription Drug Coverage | Yes |
| Customer Experience Ranking | Highest in 2024 |
| Discrimination | None based on race, color, religion, gender, etc. |
| Customer Service Availability | Monday–Friday, 8 a.m.–8 p.m. |
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What You'll Learn
Humana is a health insurance company
Medicare Advantage plans from Humana include HMO, PPO, PFFS, and Special Needs plans. These plans often include coverage for prescription drugs and set a limit on annual out-of-pocket costs. Humana helps customers narrow down their choices based on their individual needs and preferences.
Original Medicare is administered by the federal government and is available for people aged 65 and older, as well as some younger individuals with disabilities or those with end-stage renal disease (ESRD). Medicare Part A covers inpatient hospital care, nursing facility care, nursing home care, hospice care, and home healthcare. Medicare Part B, or Medical Insurance, covers various healthcare services and supplies, but not all are included.
Medicare Advantage plans from Humana provide an attractive option for individuals seeking additional benefits and coverage for prescription drugs. These plans are rated and evaluated annually based on a 5-star rating system, helping customers make informed choices about their healthcare options.
Humana, as a health insurance company, provides a range of Medicare Advantage plans tailored to meet the diverse needs of its customers. By offering different types of plans, Humana ensures that individuals can choose the most suitable option based on their specific healthcare requirements and preferences.
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Humana Medicare Advantage plans include Parts A and B benefits
Humana Medicare Advantage plans offer all the benefits of Original Medicare Parts A and B. Most Humana Medicare Advantage plans also include coverage for prescription drugs.
Humana Medicare Advantage plans are offered through private insurance companies, so costs may vary from plan to plan. The projected average premium for all Medicare Advantage plans in 2025 is $173 per month, but there are other costs to consider, including co-pays and deductibles.
There are different types of Humana Medicare Advantage plans, including HMO, PPO, and PFFS plans. With a Humana HMO plan, you can choose a primary care physician (PCP) from a broad network of providers to help manage your care and provide referrals. HMO plans usually have lower monthly premiums and copays than other plan types. PPO plans allow you to visit any Medicare-approved doctor who accepts Humana's plan terms, but you'll generally pay less if you use in-network providers. PFFS plans are offered through private insurance companies, and you will pay healthcare providers directly for services based on an amount that your plan determines.
Medicare Advantage plans set a limit on how much you'll pay out of pocket each year. Once you've reached that limit, you'll pay nothing for covered services for the rest of your plan year.
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Humana offers prescription drug plans
Humana offers Medicare Part D prescription drug plans, which cover more than 3,600 prescription drugs. The Humana Value Rx Plan is designed for consumers who want low-cost shares for generics and robust coverage at an affordable price. This includes $0 Tier 1 and Tier 2 copays at preferred pharmacies. These preferred pharmacies include Albertson's, Walmart, Walmart Neighborhood Market, Sam's Club, Publix, H-E-B, and Costco.
The Humana Premier RX Plan (PDP) and the Humana Value RX Plan (PDP) Prescription Drug Plan pharmacy networks include limited lower-cost, preferred pharmacies in urban, suburban, and rural areas of several states. These include Arkansas, Connecticut, Delaware, Iowa, Indiana, Kentucky, Massachusetts, Maine, Michigan, Minnesota, Missouri, North Dakota, New Jersey, New York, Ohio, Rhode Island, South Dakota, and Wisconsin.
Humana also offers Medicare Advantage plans, which include all the benefits of Original Medicare Parts A and B, and most include coverage for prescription drugs. Humana PPO plans allow you to visit any Medicare-approved doctor who accepts Humana's plan terms. Medicare Advantage plans set a limit on how much you'll pay out of pocket each year, after which you pay $0 for covered services for the rest of your plan year.
You can enter your ZIP code to check the plans and their premiums in your area. You can also print out the full list of drugs covered under your Humana plan, called the Prescription Drug Guide. If you need to request coverage for a medication that's not on the list, you can contact Humana Clinical Pharmacy Review (HCPR).
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Humana Medicare Advantage costs vary
Humana Medicare Advantage plans vary in cost depending on the insurance company, your plan benefits, and the deductibles, copays, and coinsurance. According to the Centers for Medicare and Medicaid Services (CMS), the average monthly plan premium for all Medicare Advantage plans in 2025 is around $173, whereas the premium for Humana plans is projected to be $17 per month.
Humana offers a variety of plans, including PPO, HMO, PFFS, HMO-POS, and regional PPO. The costs of these plans can vary, with some plans having a $0 monthly premium and deductible. The lowest in-network out-of-pocket maximum across all Humana plans is $375, while the highest is $9,350 per year.
Humana Medicare Advantage plans have a limit on how much you'll pay out of pocket each year. Once you reach this limit, you pay $0 for covered services for the rest of your plan year. Additionally, most Humana Medicare Advantage plans include coverage for prescription drugs, with copays typically being lower for primary care physicians and higher for specialists.
It's important to note that the cost of a Humana Medicare Advantage plan also depends on where you live and the specific plan you choose. To get a comprehensive understanding of the costs, it is recommended to compare specific plans in your area and consider factors such as premiums, copays, deductibles, and coinsurance.
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Humana Medicare Advantage plans are available in most states
The costs of Humana Medicare Advantage plans vary and may include monthly premiums, copayments, and deductibles. Each plan has a yearly cap on costs, so individuals don't pay more than a certain amount for healthcare expenses. Certain plans also offer an allowance for eligible groceries, utilities, and other essentials.
To enrol in a Humana Medicare Advantage plan, individuals can do so during the Initial Enrollment Period, which is a 7-month window that includes the 3 months before and after the month of their 65th birthday. If they miss this period, they can sign up during the annual open enrolment period, which typically runs from mid-October to early December.
It's worth noting that Humana is not the only company offering Medicare Advantage plans, and it's recommended to compare prices and benefits from other providers before purchasing. Individuals can enter their ZIP code on Humana's website to see the specific plans available in their area.
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Frequently asked questions
Humana is a health insurance company that offers Medicare Advantage plans, which are an alternative to Original Medicare and provided by private insurance companies. These plans include all the benefits of Medicare Parts A and B and often include prescription drug coverage.
Humana offers HMO, PPO, PFFS, and Special Needs plans. Each type of plan has different features and requirements, such as the need to use a specific network of doctors and hospitals with HMO plans.
It's important to do your research and consider your needs and budget. Compare plans based on costs, coverage, and whether your preferred medical providers are in-network.
The costs vary depending on the specific plan and your location. Humana offers prescription drug plans as well as plans without drug coverage. There may also be premiums, deductibles, copays, and coinsurance to consider.
You can explore plans in your area by entering your ZIP code on the Humana website. Licensed Humana sales agents are available to assist you in choosing the right plan for your needs.
