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
Humana is reducing its MA offerings, providing plans in 46 states (down from 48) and fewer counties overall, focusing on markets where it can maintain stable benefits.
It is reported that over 80% of Humana MA members will be in plans with stable benefits and predictable costs for 2026. All MA plans include dental, vision, and hearing coverage.
Humana is expanding Special Needs Plans (SNPs), including Dual Eligible (D-SNPs) and Chronic Condition (C-SNPs), with enhanced incentives (up to $500) for healthy activities. (source)
Humana USAA Honor Giveback plans (available to anyone eligible for Medicare) will offer $0 copay for all in-network mental health services, including therapy and specialist visits (in-person and virtual).
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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, Humana offers HMO and PPO plans. Key features of Humana Medicare Advantage Plans include:
- Humana is one of the leading carriers offering the Part B Giveback benefit, which puts money back into your Social Security check.
- In- and out-of-network care options (via PPO plans).
- Unlimited visits to primary care providers with most plans.
- Annual maximum out-of-pocket costs.
- All plans include dental, vision, and hearing coverage.
Medicare Prescription Drug Coverage
Humana insurance plans for those with Original Medicare can include prescription drug coverage (Part D). Humana continues to offer multiple options:
- Human Value RX Plan: Generally prioritized for consumers who value low generic cost products, offering $0 copays and a $0 deductible on Tier 1 and 2 drugs at preferred pharmacies.
- Humana Premier RX Plan: Beneficial for those seeking broad drug coverage, featuring a $0 deductible on all tiers.
- Humana Basic RX Plan: Often the most affordable option, best suited for members who qualify for the federal Extra Help (Low-Income Subsidy) program.
Key features of these plans include:
- All 2026 Medicare Part D plans feature a $2,100 out-of-pocket cost maximum limit, after which the plan pays 100% of the costs for the rest of the year.
- The Medicare Prescription Payment Program lets patients pay in monthly installments instead of all at once.
- Help for those who take insulin, with costs capped at $35 or less for a 30-day supply.
Humana Medicare Supplement Plans
For those with Original Medicare, Humana supplement plans (Medigap) offer support to cover out-of-pocket costs (coinsurance, copayments, and deductibles). Medigap plans are standardized by the government.
Options offered by Humana typically include: Plans A, B, C, F, G, K, L, and N, with solutions for high and low premiums.
Plan G is the most comprehensive plan available to new Medicare recipients.
Plan F is only available to those eligible for Medicare before January 1, 2020.
Note that costs related to each of these plans are dependent on where you live and are subject to premium changes by the carrier annually.
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.
- Medicare Open Enrollment Period (AEP): October 15 through December 7 is the annual period when most Medicare recipients can switch plans. The enrollment change will take effect on January 1, 2026.
- Medicare Advantage Open Enrollment Period (MA OEP): Runs from January 1 through March 31. During this time, you can switch from one MA plan to another, or switch to Original Medicare.
- Initial Enrollment Period (IEP): The 7-month period beginning 3 months prior to your 65th birthday.
- Special Enrollment Period (SEP): Special situations that fall into the SEP allow you to enroll in a Humana plan at other times of the year.
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