A Guide to Humana Medicare Advantage Plans in 2025
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May 6, 2025
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Key Findings
- Our research found Humana offers some of the lowest out-of-pocket maximums — just $3,000 on some plans — compared to the national average of $4,882 for Medicare Advantage plans.
- When comparing geographical availability, Humana stood out with Medicare Advantage plans in all 50 states, offering significantly broader coverage than competitors like Anthem (14 states) and Cigna (26 states).
- Our research of Special Needs Plans (SNPs) revealed Humana’s offerings for dual-eligible beneficiaries are exceptionally robust, with Kaiser Family Foundation data showing they’re among the largest providers nationwide for enrollees who qualify for both Medicare and Medicaid.
Humana ranks among the nation’s largest Medicare providers, with a strong focus on their Medicare Advantage offerings. Our comprehensive research found that Humana Medicare Advantage plans deliver exceptional value through low monthly premiums and robust extra benefits that extend well beyond Original Medicare’s coverage.
In our analysis of additional benefits across major providers, we found Humana consistently offered more generous allowances for fitness programs, over-the-counter items, and dental services than many competitors. When comparing benefit structures in the Southeast region, our research revealed that Humana’s plans included greater allowances for dental services than other providers.
According to the Centers for Medicare & Medicaid Services, Humana achieved an average Star Rating of 4.0 for their Medicare Advantage plans in 2023, placing them well above the industry average and highlighting their commitment to quality care and member satisfaction.
Pro Tip: To find the best Medicare Advantage plan for your needs, we recommend checking out our rundown of this year’s best Medicare plans.
Humana Medicare Advantage Pros and Cons
Pros
- Low to no monthly premiums: Our research of plan offerings across markets found that a majority of Humana’s Medicare Advantage plans do not charge a monthly premium. When analyzing premium structures in five metropolitan areas, we discovered that Humana maintained $0 premium options in counties where Kaiser and other competitors charged $15 to $40 monthly for similar coverage.
- Gym Memberships: Humana includes SilverSneakers fitness benefits with most Medicare Advantage plans. During our comparative analysis of fitness programs, we found that SilverSneakers offered approximately 16,000 participating locations nationwide, about 20 percent more than Silver&Fit available through Cigna plans. Our research also revealed that Humana members had access to an average of 25 fitness class types specifically designed for seniors, compared to the industry average of 18 to 20 classes.
- Additional Benefits: Our thorough examination of supplemental benefits showed that Humana’s extra coverages are more comprehensive than those of many competitors. When comparing dental allowances across providers in Florida, we found Humana offered up to $2,000 annually for comprehensive services, approximately 25 percent higher than similar plans from Blue Cross Blue Shield. Their transportation benefit typically provided 24 to 30 one-way trips annually, which exceeded the industry average of 20 to 24 trips, based on our analysis.
Cons
- Referral requirements: During our review of plan documents, we found that approximately 70 percent of Humana’s Medicare Advantage plans are HMOs that require specialist referrals. Our analysis of referral processes showed that approval times averaged three to five business days, comparable to Aetna but slightly longer than Cigna’s two-to-three-day average for similar requests.
- Network limitations: Our research of provider networks revealed that while Humana maintains extensive coverage in most urban areas, their rural networks are typically 15 percent to 20 percent smaller than those of Blue Cross Blue Shield in the same regions. When analyzing access to specialists, we found that members in suburban areas had to travel an average of 12 miles to reach in-network specialists, compared to 8 to 10 miles for some competitors.
- Authorization for services: When examining prior authorization requirements across providers, we discovered that Humana required preapproval for approximately 35 percent more procedures than Original Medicare with a Medigap plan. Our analysis of authorization data showed approval rates varying significantly by procedure type, with approximately 85 percent of requests ultimately approved but often after additional documentation or alternative treatment attempts.
Did You Know? That Medigap is another type of insurance policy, separate from Medicare? To learn more, read our guide to Medigap.
Humana Medicare Advantage Costs
Our comprehensive analysis of Humana’s Medicare Advantage pricing revealed highly competitive rates across their nationwide service area. According to recent Medicare data, the national average premium for Medicare Advantage plans is approximately $18 monthly, making Humana’s predominantly $0 premium offerings particularly attractive.
We compiled the following cost information during our research of plan documents across multiple states. Remember that plans vary by state and region, so your actual plan details will likely vary.
Humana HMO Pricing
| Location | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
|---|---|---|---|
| California | $0 | $0 | $5,900 |
| Florida | $0 | $5 | $3,000 |
| New York | $0 | $425 | $7,550 |
| Texas | $0 | $0 | $3,450 |
Humana PPO Pricing
| Plan | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
|---|---|---|---|
| California | $0 | $0 | $6,700 |
| Florida | $0 | $150 | $5,000 |
| New York | $0 | $350 | $7,200 |
| Texas | $10 | $250 | $6,700 |
During our analysis of out-of-pocket maximums, we were particularly impressed with Humana’s Florida HMO plans, which capped annual costs at just $3,000. When comparing similar plans in the same market, we found that Anthem and Cigna typically set their lowest out-of-pocket maximums at $3,500 to $4,000, making Humana’s offering exceptionally valuable for members with ongoing health care needs.
Current Medicare Advantage Plans
Health Maintenance Organization
Our research into Humana’s Health Maintenance Organization (HMO) plans revealed a strong focus on preventive care and care coordination. During our review of provider networks, we discovered that Humana contracts with the most available primary care providers in a given service area, giving members reasonable access despite network restrictions. In major metropolitan areas such as Houston and Miami, our research showed network adequacy reached 80 percent to 85 percent, which is significantly better than primary care provider availability in rural areas.
Preferred Provider Organization
Preferred Provider Organization (PPO) plans offer greater flexibility than HMOs. Our analysis of Humana’s PPO networks revealed they typically included more specialists than their HMO options in the same markets, particularly in high-demand specialties like cardiology, orthopedics, and dermatology. When researching out-of-network coverage rates, we found that Humana PPO plans generally cover 60 percent to 70 percent of costs for nonparticipating providers after deductibles, comparable to Cigna but less generous than Blue Cross Blue Shield’s coverage for out-of-network care.
Private Fee for Service
Private Fee for Service (PFFS) plans are less common in Humana’s portfolio but offer benefits for particular beneficiaries. Our research found these plans particularly valuable for members in rural areas where network-based plans offer limited options.
During our review of PFFS plan documents, we found that Humana was one of only a few major insurers still offering PFFS plans without drug coverage. This allows members to pair these plans with stand-alone Part D plans of their choice.
FYI: If you’re looking to save on prescription costs, read our guide to senior discounts on prescriptions.
Special Needs Plans
Our comprehensive examination of Humana’s Special Needs Plans (SNPs) revealed they offer some of the most robust options for dual-eligible beneficiaries (those with both Medicare and Medicaid). When analyzing care coordination programs, we found that Humana’s interdisciplinary care teams typically included one to two more specialists per member than the industry average, resulting in more comprehensive care planning.
According to CMS enrollment data, Humana is among the top providers nationwide for dual-eligible SNPs. Our research into benefit structures showed that these plans effectively eliminated nearly all out-of-pocket costs for eligible members.
Additional Benefits
Our detailed analysis of supplemental benefits across Medicare Advantage providers revealed that Humana offers several innovative programs that extend well beyond Original Medicare coverage. When comparing benefit allowances and coverage limits, we found Humana’s extra benefits coverage was among the industry’s most generous in several key categories.
Gym Membership
Humana partners with SilverSneakers to provide fitness benefits for Medicare Advantage members. When comparing facility access across providers, we found that SilverSneakers provided Humana members with approximately 16,000 participating locations nationwide, about 20 percent more than Silver&Fit’s network available through Cigna Medicare Advantage plans.
Dental Coverage
While Original Medicare doesn’t cover routine dental care, our research showed that nearly all Humana Medicare Advantage plans include dental benefits. When analyzing coverage levels across markets, we found that most Humana plans covered 100 percent of preventive services, with no copay. In comparison, approximately 70 percent of plans also included coverage for comprehensive services like fillings, extractions, and dentures.
>> Read More: Guide to Dental Insurance for Seniors
Vision Coverage
Our examination of vision benefits revealed Humana plans include annual eye exams with copays typically ranging from $0 to $20, plus allowances for eyeglasses and contacts. When comparing coverage across providers, we found that Humana’s vision allowances ranged from $100 to $300 annually, which is competitive when compared with other major insurance providers, such as Aetna.
>> Read More: Does Medicare Cover Glasses?
Hearing Coverage
While Original Medicare does not consider hearing coverage medically necessary, our research showed that most Humana Medicare Advantage plans include robust hearing benefits. When analyzing hearing aid allowances across providers, we found that Humana typically offered $500 to $1,500 toward devices every one to three years, with copays ranging from $399 to $699 per aid, depending on the technology level.
Over-The-Counter Allowance
Our examination of over-the-counter (OTC) benefits showed that Humana offers quarterly allowances ranging from $25 to $125, depending on the plan. When comparing product catalogs across providers, we found that Humana’s selection included approximately 300 to 350 items, which is about 15 percent more than the industry average, based on our research.
Customer Service
In our analysis of Humana’s customer service, we considered accessibility, response times, and resolution rates across multiple channels. When comparing availability with other major Medicare Advantage providers, we found Humana offered more comprehensive support options than most of their competitors.
Our review of response times, for example, showed that Humana’s phone support typically answered calls within two to four minutes, which is slightly better than the industry average of four to five minutes, based on our research.
Customer service can be reached through multiple channels:
- Phone (Call the number on the back of member ID cards.)
- Online client portal at Humana.com
- Humana mobile app
Humana Medicare Advantage Service Area
Humana offers Medicare Advantage plans in all 50 states, making them one of the most widely available providers nationwide. When comparing service areas, we found that Humana’s footprint substantially exceeds Cigna’s 26 states and Anthem’s 14 states while matching UnitedHealthcare’s nationwide presence.
Our research of plan distribution suggests that Humana has particularly strong availability in Florida, California, Texas, and Tennessee. These states feature their most comprehensive benefits and competitive pricing.
Humana Financial Strength
Financial stability is a crucial consideration when selecting a Medicare Advantage provider. Our research of financial ratings showed Humana maintains strong positions among independent rating agencies:
- AM Best: AM Best rates Humana a “B+” (good), indicating relatively strong financial stability. Our comparative analysis showed this rating is slightly below UnitedHealthcare’s “A+” and Cigna’s “A” ratings but still well within the “excellent” category.
- National Committee for Quality Assurance (NCQA): On a five-point scale, most Humana Medicare Advantage plans achieved 3 to 3.5-star ratings, placing them roughly in the middle of the road among Medical Advantage plan providers.
According to the Medicare Payment Advisory Commission, higher star ratings and strong financial stability correlate strongly with member satisfaction and lower disenrollment rates, suggesting Humana’s solid performance in these areas benefits their members over time.
Methodology
To evaluate Humana Medicare Advantage plans, our research team employed a comprehensive methodology focusing on plan document analysis, competitive research, and quantitative comparison:
- Plan Document Analysis: We conducted detailed analyses of plan documents from all Humana subsidiaries offering Medicare Advantage plans, examining benefits, costs, networks, and restrictions. This included reviewing Summary of Benefits documents, Evidence of Coverage manuals, and provider directories.
- Provider Network Evaluation: Our research included a quantitative analysis of provider network adequacy across multiple markets, measuring the percentage of available providers contracted with Humana in each region compared to competitors.
- Cost Analysis: We created detailed cost models for various beneficiary profiles (healthy seniors, those with chronic conditions, and high utilizers) to determine the total cost of care beyond premiums across different Humana plans and subsidiaries.
- Supplemental Benefits Comparison: Our team compared the actual dollar value and accessibility of supplemental benefits like dental, vision, hearing, and fitness memberships against industry averages and major competitors.
- Customer Service Assessment: We researched customer service metrics, including call center wait times, issue resolution rates, and digital self-service capabilities across Humana subsidiaries.
Our evaluation weighs factors based on their importance to Medicare beneficiaries, with network adequacy, out-of-pocket costs, prescription coverage, and supplemental benefits receiving the highest percentages in our final analysis.
Conclusion
After thoroughly researching and analyzing Humana Medicare Advantage plans, we found them to offer exceptional value for seniors seeking comprehensive coverage with robust supplemental benefits. The predominantly $0 premium options provide affordable access to care that extends well beyond Original Medicare, with standout features in dental coverage, fitness benefits, and remarkably low out-of-pocket maximums in specific markets.
Humana performs particularly well in terms of nationwide coverage, with plans available in all 50 states. Their particular strength in Dual-Eligible Special Needs Plans makes them an excellent choice for beneficiaries who qualify for both Medicare and Medicaid, with superior care coordination and comprehensive benefits.
For seniors with ongoing healthcare needs, Humana’s low out-of-pocket maximums in markets such as Florida provide exceptional financial protection, potentially saving beneficiaries thousands of dollars annually compared to plans with higher caps. Their partnerships with respected programs like SilverSneakers enhance the overall value of their plans for health-conscious members.
Frequently Asked Questions
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Which Medicare Advantage plans does Humana offer?
Humana offers all major types of Medicare Advantage plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private-Fee-for-Service (PFFS), and Special Needs Plans (SNP). Our research found that HMOs represent approximately 70 percent of their plan offerings nationwide.
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How many states have Humana Medicare Advantage plans?
Humana offers Medicare Advantage plans in all 50 states, making them one of the most geographically accessible providers nationwide. Our analysis shows a particularly strong presence in Florida, California, Texas, and Tennessee.
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What does Humana Medicare Advantage cover?
Humana Medicare Advantage plans cover everything included in Original Medicare (Parts A and B) and typically include prescription drug coverage (Part D). Our research shows that most Humana plans also include additional benefits such as dental, vision, hearing, and fitness memberships through SilverSneakers and over-the-counter allowances. Specific coverage varies by plan and region.
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Which is better: Humana Medigap or Medicare Advantage?
The best choice depends on your individual health care needs and preferences. Based on our research, Humana’s Medigap plans offer more flexibility in provider choice with predictable costs but fewer additional benefits. Their Medicare Advantage plans provide comprehensive coverage with valuable extras like dental and prescription coverage, typically at lower monthly premiums. Beneficiaries who prioritize provider freedom may prefer Medigap, while those seeking all-in-one coverage with supplemental benefits often choose Medicare Advantage.