FYI: To find the best Medicare Advantage plan for your needs, we recommend checking out our rundown of this year’s best Medicare plans.
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November 10, 2023
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Humana is one of the largest Medicare providers in the nation, and they focus heavily on Medicare Advantage plans. Humana Medicare Advantage plans come with great benefits like fitness membership, healthy food allowances, and dental coverage.
FYI: To find the best Medicare Advantage plan for your needs, we recommend checking out our rundown of this year’s best Medicare plans.
Did You Know? Did you know that many Medicare Advantage plans require no monthly premiums? To learn more, read our guide to the best free Medicare Advantage.
Humana offers plans nationwide, but you can expect the costs and benefits to differ depending on your area.
| Location | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
|---|---|---|---|
| California | $0.00 | $0.00 | $5,900 |
| Florida | $0.00 | $50.00 | $1,900 |
| New York | $0.00 | $425.00 | $7,550 |
| Texas | $0.00 | $0.00 | $3,450 |
| Plan | Monthly Premium | Deductible | Maximum Annual Out of Pocket |
|---|---|---|---|
| California | $0.00 | $0.00 | $6,700 |
| Florida | $0.00 | $150 | $5,000 |
| New York | $0.00 | $350.00 | $7,200 |
| Texas | $10.00 | $250.00 | $6,700 |
Health Maintenance Organization health plans only allow coverage from in-network providers unless it's an emergency.
You'll choose a primary care doctor that manages your medical care. HMO-managed care plans focus on wellness and strive to maintain your health.
The healthcare provider aims to find and treat health concerns early. Focused healthcare will enable health conditions to be treated early and potentially avoided.
Preferred Provider Organization plans will allow access to out-of-network services and providers.
In most cases, you'll pay more for out-of-network services. You could be required to pay the total cost upfront and submit the bill to the plan for reimbursement.
Private Fee For Service can include prescription drug coverage. PFFS plans allow you to visit any nationwide health care provider participating in the Medicare program.
You must verify with the health care provider before each visit. You can add a standalone Part D plan if you're enrolled in a PFFS plan without drug coverage.
PFFS plans are the Medicare Advantage option that allows the addition of a standalone drug plan.
Special Needs Plans are for Medicare beneficiaries that have particular situations like chronic healthcare needs, Medicaid, or living in an institution.
SNP plans include benefits that are specific to the needs of these beneficiaries. Special Needs Plans are usually HMOs that have drug coverage.
Medicare Advantage plans are calendar year contracts. You can only enroll if you are in an enrollment period or a qualified situation.
Humana Medicare Advantage plans include a variety of plan extras that Original Medicare doesn't cover. Below are a few examples of what may be available in the Humana plans in your area.
Included with Humana Medicare Advantage policies is a fitness program from SilverSneakers. This membership provides access to thousands of locations nationwide and allows access to classes specifically designed for an individual on Medicare.
Original Medicare does not cover dental coverage for routine dental care. Dental benefits are included in Humana Medicare Advantage plans.
The benefits can include preventative benefits such as cleanings, X-rays, and comprehensive services. In some areas, dentures are included.
Humana Medicare Plans include routine vision coverage for eye exams. In addition to eye exams, you'll have an allowance for eyeglasses and contacts.
Like dental, hearing coverage isn't considered medically necessary by Medicare. You may receive hearing coverage through Humana's Medicare Advantage plans at no additional cost.
You even receive an allowance to spend on items considered over-the-counter items. Some of these items include but are not limited to aspirin, bandaids, and braces. You'll typically order from a catalog that you receive in the mail.
Review the plan's evidence of coverage document to verify all the included details on the plan extras.
Humana has excellent customer service. You can simply flip over your Humana Medicare Advantage ID card to contact customer service. There you will find the contact information and telephone number.
Customer service can be reached over the phone, online through the client portal at Humana.com, by email, or through the Humana app.
Humana offers Medicare Advantage plans nationwide. The plans will vary, but they offer HMO and PPO in nearly every area that provides access to Medicare Part C. States where Humana has the most competitive plans include Florida, California, Texas, and Tennessee. Humana is among the leaders nationwide concerning D-SNP plans that assist Medicare beneficiaries with Medicare and Medicaid.
Humana is one of the most financially sound insurance companies available. The National Committee for Quality Assurance has a Humana 4-star rating in most areas. Am Best gives Humana an A- rating.
To learn more about our favorite Medicare Advantage providers, check out our helpful guides:
Humana has the following Medicare Advantage plans available:
Humana offers Medicare Advantage plans across all 50 States. Plan offerings can vary depending on your service area. To be eligible for a Medicare Advantage plan, you must be enrolled in Medicare Parts A and B.
Medicare Advantage plans combine your Medicare Part A and Medicare Part B benefits into an all-in-one plan. Most Medicare Advantage plans include Medicare Part D as well.
Comparing Medicare Advantage and Medicare Supplement health insurance plans is like comparing apples to oranges. Medicare Advantage plans are a lateral move from Original Medicare, which can have additional benefits and coverage. These plans are essentially taking over for Medicare. They will typically include your Medicare prescription drug coverage.