Key takeaways
- Humana offers Medicare Advantage (Part C) plans in most states, providing coverage that is at least equivalent to Original Medicare (parts A and B). It includes options like HMO, PPO, PFFS, and SNP to cater to diverse needs.
- Humana offers three Part D prescription drug plans, including Value Rx, Premier Rx, and Basic Rx.
- Humana’s Medigap plans supplement Original Medicare by covering costs like coinsurance and deductibles.
If you’ve already decided to go with a Medicare Advantage (Part C) plan, you still have some decisions, such as the insurance provider that will supply your coverage.
Humana is a for-profit health insurance company based in Kentucky that Medicare approves to sell Part C plans. Humana is also approved to sell other types of Medicare plans, like Part D and Medigap.
2026 Medicare changes
We’re currently updating this article to reflect 2026 costs and other changes.
Read about what’s changing: Open Enrollment for Medicare: Key Changes to Know About Your Plan
Humana offers Medicare Advantage (Part C) plans in 48 states, as well as Washington, D.C., and Puerto Rico.
Medicare Advantage plans must cover at least as much as Original Medicare (parts A and B).
However, some plans may offer extra benefits. The exact coverage options and costs vary by geographic area.
The types of Medicare Advantage plans offered by Humana in 2026 include:
- HMO: Health Maintenance Organization (HMO) plans may cost less while offering additional benefits like dental care, the Silver Sneakers fitness program, and prescription drug coverage. However, you’ll need referrals from your primary care physician (PCP) for specialists.
- PPO: Preferred Provider Organization (PPO) plans give you the freedom to choose any Medicare-approved doctor you wish to see. They offer similar add-ons to HMO plans, but these may be more expensive. That said, you won’t need a referral to see a specialist.
- PFFS: Private fee-for-service (PFFS) plans are not available everywhere. With these plans, Humana, not Medicare, determines what they pay healthcare providers and hospitals, and how much you pay for your care. Confirming that your doctor accepts the plan is important because they may accept payment on a case-by-case basis for nonemergency services.
- SNP: Special Needs Plans (SNPs) usually have no copays, premiums, or coinsurance. However, they’re only available to those who meet specific eligibility criteria, like living in a nursing home or having a chronic condition approved by Medicare. If you qualify, you get Original Medicare benefits plus Part D and additional health programs like dental, vision, hearing care, and nonemergency transportation.
Humana Medicare Advantage health plans vary by state and coverage. Some may include prescription drug plans, while others may incorporate additional services, such as dental, hearing, and vision.
You may search for Humana Medicare Advantage plans using Medicare.gov’s plan finder tool. By entering your ZIP code and county, you will see available plans.
Here is a sample of the costs you might see with different Humana Medicare Advantage plans across the country in 2026:
| City/plan | Monthly premium | Health plan deductible | Drug plan deductible | Out-of-pocket max | Primary doctor visit | Specialist visit |
|---|---|---|---|---|---|---|
| Portland, OR: Humana Gold Plus H1036-153 (HMO) | $0 | $0 | $615 | $4,750 in network | $0 copay | $30 copay |
| Flagstaff, AZ: Humana Choice R7220-002 (Regional PPO) | $37 | $0 | $615 | • $7,900 in and out-of-network • $6,800 in-network | $0 copay | $50 copay |
| Tulsa, OK: Humana Gold Plus H6622-033 (HMO) | $0 | $0 | $615 | $4,225 in network | $0 copay | $30 copay |
| Daytona Beach, FL: Humana Full Access Giveback H7617-111 (PPO) | $0 | $500 | $600 | • $6,750 in and out-of-network • $6,750 in-network | $0 copay | $45 copay |
| Brooklyn, NY: Humana Gold Plus H3533-035 (HMO) | $22 | $0 | $615 | $9,250 in-network | $0 | $35 |
Humana also offers stand-alone plans for other types of Medicare, like Part D and Medigap.
Humana Part D plans
Starting in 2025, all Part D plans have an out-of-pocket maximum of $2,000 on prescription drugs. This out-of-pocket maximum is set to rise to $2,100 in 2026.
Once you reach this limit, you’ll automatically receive “catastrophic coverage.”
Catastrophic coverage means you won’t have to pay anything out-of-pocket for your covered medications for the remainder of the year. It also eliminated what’s known as the “donut hole.”
Humana offers three types of Part D prescription drug plans. These plans are used to help manage the cost of prescription medications.
- Humana Value Rx Plan (PDP): This plan is ideal for those seeking cost-effective coverage of generic drugs. You won’t have a copay for Tier 1 and Tier 2 prescriptions at preferred pharmacies, and you won’t pay any deductibles for these drugs.
- Humana Premier Rx Plan (PDP): This is the most comprehensive plan, covering over 3,700 prescription drugs with a $0 deductible.
- Humana Basic Rx Plan (PDP): This plan is a good choice if you qualify for Extra Help, which covers the entire premium. The plan provides basic coverage and access to a preferred mail-order pharmacy.
Humana Medigap options
Humana’s Medicare supplement insurance plans (Medigap) can help you pay costs associated with Original Medicare (parts A and B). These include items such as coinsurance, deductibles, and copayments.
Humana offers eight different Medigap plans:
The benefits for each Medigap plan from every insurance company are the same, with only minor differences.
However, the company you choose can be different, which can affect both the quality of service and the price of the plan.
You can compare these offerings against competing insurance companies to get the best price and coverage for you.
Medicare Advantage (Part C) plans are plans that offer additional coverage over what Original Medicare provides. The costs for each plan vary based on the level of coverage you opt-in for, and your geographic location.
Medicare Advantage plans must legally cover at least as much as original Medicare. Their additional services typically include dental coverage, vision, hearing, and prescription drugs. However, depending on your chosen plan, you may have limited provider options, prior authorization requirements, and additional costs.
Each Humana Medicare Advantage plan type comes with various extra services above what Original Medicare (parts A and B) offers. Here are a few of the coverage benefits many Humana plans offer:
- vision
- dental
- prescription drugs
- home healthcare
- gym memberships or fitness programs
Humana offers a wide range of Medicare Advantage plans throughout most of the country. These plans are required by law to provide at least as much coverage as Original Medicare.
Most plans offer a variety of coverage options, including vision, dental, and prescription drug coverage. The plan you can choose must serve your ZIP code. Costs vary by plan.