Humana Medicare plans provide a patient-first approach to managing your health. A top-ranked provider, Human has long been a leader in providing insurance designed for today’s modern Medicare recipient. More so, Humana insurance plans are diverse to meet the needs of most people.
Humana Medicare Plan Updates for 2025
In 2025, Humana will expand its services, including Medicare Advantage Plans, to 48 states. A total of 793 individual Medicare Advantage plans are available throughout the US, with options for most budget and lifestyle needs. Key features include the flexibility to select doctors in our out-of-network through Humana Full Access PPO plans, money-back benefits due to $0- LPPO MAPD Giveback plans, and veteran-focused plans.
Benefit enhancements for prescription drug coverage will also occur in 2025, as noted under the Inflation Reduction Act. Members with Part D coverage will have a $2,000 cap on out-of-pocket costs, and there will no longer be a coverage gap (donut hole) phase. Two specific changes to Humana health insurance for prescription medications include:
- Humana Value RX for patients who prioritize low generic cost products and will receive $0 Tier 1 and Tier 2 copays at preferred pharmacies and a $0 deductible
- Humana Premier RX is beneficial for those looking for broad coverage with a $0 deductible, $0 Tier 1 copays at preferred retail pharmacies, and $0 Tier 1 and Tier 2 copays for mail-order pharmacies
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Types of Humana Medicare Plans
Humana insurance plans for Medicare-eligible individuals are extensive. Among those options are the following:
Medicare Advantage Plans for Humana
Designed to provide an all-in-one package for health insurance, the company offers HMO and PPO plans for people across 48 states. Most of these plans include prescription drug coverage. Though there are dozens of options to choose from, some key features of Humana Medicare Advantage Plans include:
- In- and out-of-network care options
- Unlimited visits to primary care providers with most HMO plans
- Annual maximum out-of-pocket costs
Medicare Prescription Drug Coverage
Humana insurance plans for those with Original Medicare can include prescription drug coverage. The 2025 Medicare Part D prescription drug plans available offer several styles of care designed to prioritize the patient’s specific needs. Policy options include Human Value RX Plan, Humana Premier RX Plan, and Humana Basic RX Plan.
Key features of these Humana insurance plans include:
- Low premium Part D plans are available
- All 2025 Medicare Part D plans feature $2,000 out-of-pocket cost maximum limits, after which the plan pays 100% of the costs for the rest of the year
- Medicare Prescription Payment Program lets patients pay in monthly installments instead of all at once
- Help for those who take insulin, including all out-of-pocket costs capped at $35 for a 30-day supply
Humana Medicare Supplement Plans
For those with Original Medicare, Humana supplement plans can offer the support you need to cover out-of-pocket costs. This may include costs related to coinsurance, copayments, and deductibles. These plans, also known as Medigap, are flexible to meet most needs. Options include Plans A, B, C, F, G, K, and L, with solutions for high premiums as well as policies with low premiums.
Note that costs related to each of these plans are dependent on where you live. More so, Humana offers those who live in some states a discount for signing up for Medigap coverage online.
Cost Overview
Humana health insurance coverage follows Medicare guidelines. Policy costs and deductibles range based on the type of product selected.
For 2025, the following costs are associated with Medicare:
- The average estimated monthly Part D plan premium for 2025 is $46.50. Some people may pay more based on their income.
- The average Medicare Advantage plan costs $17 per month for 2025.
Enrollment Guidelines
If you are interested in enrolling in Humana insurance plans, speak to a licensed insurance agent now to get the insights and support you need to select the best-fitting plan for your needs. You can also use our online tools to get a quote now and compare Humana health insurance no matter what type is best suited for your needs.
Medicare Open Enrollment begins January 1 and runs through March 31. During this time, you can sign up for coverage.
If you are new to Medicare, you can begin the process of getting Medicare 3 months prior to your 65th birthday through 3 months after.
Special situations that fall into the special enrollment period could help you get into a Medicare Humana plan at other times of the year. This includes if you lost Medicaid coverage, missed your chance to sign up due to a natural disaster, inaccurate information from your health plan, or for other reasons.
To learn more about the options available to you, speak to a licensed insurance agent. You can also fill out our form now and get a no-risk quote.
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