Humana Medicare Advantage Plans Review (2023)

Humana is a prominent health insurance provider that provides a diverse selection of Medicare Advantage plans to meet the finances and demands of older individuals across the country.

Humana Medicare Advantage Plans

Humana Medicare Advantage Benefits that go above and beyond medical, vision, and dental care
According to internal customer surveys, members are very satisfied.
Prescription coverage is excellent.
Humana Inc. is a health insurance firm situated in Louisville, Kentucky that was founded in 1961. It is currently the sixth largest health insurance company in the United States. Humana serves almost 9 million Medicare beneficiaries, with more than 5 million of them enrolled in a Medicare Advantage plan.

Humana Medicare Advantage in a Nutshell

Plan alternatives: Humana provides a variety of Medicare Advantage plan options to a wide spectrum of beneficiaries, including HMOs, PPOs, and SNPs.
Network of service providers: The amount of providers available varies depending on where you live. In Pittsburgh, for example, Humana has contracts with 224 family medical providers.
Humana has a lot of plans with monthly premiums of zero dollars. However, the average premium for 2023 is $18 per month.

Humana Medicare Advantage: How Does It Work?

Humana’s networks, according to a customer support representative, are regional in nature. Each plan has its own provider network, experts, and pharmacists.

Depending on where you live, you may have access to health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, special needs plans (SNPs), and private fee-for-service (PFFS) plans.

Private fee-for-service (PFFS) plans effectively allow you to work with any Medicare-approved clinician who agrees to the terms of your plan.

Humana HMO plans give you the option of selecting a doctor from the Humana provider network. Humana also does not bind you to a provider and allows you to switch whenever you want. Prescription coverage is included in the majority of Humana HMO plans. They also provide hearing, vision, and dental coverage, none of which are covered by standard Medicare.

PPO plans are more flexible in terms of provider selection, so if you have a number of specialists or a preferred physician, a Humana PPO plan may be the best option for you.

Humana SNPs are intended for individuals who are:

Having a persistent medical condition
Medicare and Medicaid eligibility
Long-term care institution residents
Humana offers two types of SNP plans: Chronic Condition Special Needs Plans and Dual-Eligible Special Needs Plans. These plans are now offered in little under 30 states in the United States. The plans that are available to you are mostly determined by your ZIP code. The availability of plans varies greatly depending on location. Humana, for example, offers seven Medicare Advantage plans in the Boston region (ZIP number 02108), whereas the insurer offers 16 Medicare Advantage plans in Hillsborough County, Florida (ZIP code 33647). Meanwhile, Humana Medicare Advantage plans are unavailable in select ZIP codes.

Humana attempts to contract with as many providers as possible in most major states, which are divided into four or five divisions. Humana’s website allows you to search for plans based on providers who are “in network.”

Dental, vision, and hearing coverage are included in all Humana Medicare Advantage plans. Other advantages that these programs frequently provide include:

Insulin savings plans
Allowances available over the counter
Fitness routines for Silver Sneakers
Services for meal delivery
A healthy foods card provides a monthly amount for authorized items at participating retailers.
some B reimbursement, in which the plan carrier pays some or all of your Part B monthly fee.
Assistance with transportation
Wigs (for cancer sufferers)

What is the cost of Humana Medicare Advantage?

Kansas’ Johnson CountyHumana Foundation$0$3,000OTC Allowance for DentalVisionHearingInsulinSavings ProgramSilverSneakers
Nebraska’s Lancaster CountyHMO Humana Gold Plus$0$3,600DentalVisionHearingInsulinSavings ProgramOTC AllowanceSilverSneakers
Los Angeles is a city in California.HMO Humana Honor$0$3,500DentalVisionHearingSilverSneakers
New Hampshire town of StraffordPPO Humana Choice$0$4,800 ($7,550 total for in- and out-of-network services)VisionHearingDentalSilverSneakers

What Experts Have to Say About Humana

Humana Medicare Advantage plans with no monthly premiums are only accessible in a few states.

Furthermore, its Honor plans are intended to supplement VA coverage for veterans, ensuring that they have access to required care. “In my experience, many people who have Humana are satisfied with the coverage and tend to want to keep their plan,” says John Freitag, an independent insurance broker with Freitag Family Agency in Pennsylvania.

Humana Medicare Advantage plans, according to Freitag, can assist limit expenditures that standard [Medicare parts] A and B alone do not cover. “Medicare alone covers only 80% of health-care costs, leaving you vulnerable to large bills with no limit.” According to him, Medicare Advantage plans have a “maximum out-of-pocket” cap, which is the highest you can pay out of pocket throughout the plan year. In addition to vision, dental, and hearing benefits, many Medicare Advantage plans include prescription drug coverage.

“Humana is a good carrier to keep in mind for prescription benefits, especially with some hard-to-cover drugs,” Freitag adds.

Health Compare Insurance Services does not include all available plans in your area. It now represents 18 organizations in your area, offering 52,101 items. To learn more about your options, please visit, call 1-800-MEDICARE, or visit your local State Health Insurance Program (SHIP).

Medicare Advantage HMO, PPO, and PFFS companies, as well as stand-alone PDP prescription drug plans, are represented by Health Compare Insurance Services. Enrollment is contingent on the plan’s contract renewal.

FAQs (Frequently Asked Questions)

Is Humana Medicare Advantage synonymous with Medicare?

It all depends. "Medicare Advantage is a type of Medicare health plan offered by a private company that contracts with Medicare," according to These plans typically comprise Part A, Part B, and Part D. Plans may provide some additional benefits that Original Medicare does not." Humana offers Medicare Advantage plans.

Is Humana Medicare considered an Advantage plan?

"Humana offers Medicare Advantage plans, Medicare Supplement plans, and standalone [Medicare] Part D drug plans," Freitag notes.

What are the drawbacks of Medicare Advantage coverage?

Medicare Advantage plans provide numerous benefits, but there are a few drawbacks. You are often confined to a network of providers with whom the insurance provider has a contract, and using out-of-network doctors may result in higher charges, according to Freitag. "Once again, depending on your plan, you may require referrals to see a specialist, and some drugs, therapies, and visits may require preapproval from the [plan] carrier." "You're also limited in your ability to switch plans, and you can usually only do so during enrollment periods," he says.
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