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March 7, 2024
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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.
Humana Medicare Advantage Pros and Cons
Pros
- Low to no Monthly premiums: Humana has no shortage of available plans, and many areas include plan options without a monthly premium.
- Gym Memberships: Humana Medicare Advantage plans include a SilverSneakers gym membership. SilverSneakers is a specialized gym program catering to Medicare members.
- Additional Benefits: Humana Medicare Advantage plans may include additional items like dental coverage, transportation, and an over-the-counter allowance that allows you to buy things like aspirin and antacids.
Cons
- Referrals: Many of Humana's Medicare Advantage plans are HMO-styled plans. These plans require referrals to see specialists and for certain services.
- Networks: Medicare Advantage plans are primarily HMO or PPO plans. For HMO plans, you must receive all services in the network except for emergencies. With a PPO plan, you can go out of network but expect a higher cost for services performed in an out-of-network setting.
- Authorization for services: Medicare Advantage plans have a non-medical plan administrator that will determine the eligibility of procedures. Sometimes, you may have to try a different or lower-cost treatment than the one your doctor recommends.
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 Medicare Advantage Costs
Humana offers plans nationwide, but you can expect the costs and benefits to differ depending on your area.
Humana HMO Pricing
| 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 |
Humana PPO Pricing
| 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 |
Current Medicare Advantage Plans
Health Maintenance Organization
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
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
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
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.
Additional Benefits
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.
Gym Membership
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.
Dental Coverage
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.
Vision Coverage
Humana Medicare Plans include routine vision coverage for eye exams. In addition to eye exams, you'll have an allowance for eyeglasses and contacts.
Hearing Coverage
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.
Over-The-Counter Allowance
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.
Customer Service
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 Medicare Advantage Service Area
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 Financial Strength
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:
Frequently Asked Questions
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Which Medicare Advantage plans does Humana offer?
Humana has the following Medicare Advantage plans available:
- Health Maintenance Organization – HMO
- Private-Fee-For-Service – PFFS
- Preferred Provider Organization – PPO
- Special Needs Plan – SNP
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How many states have Humana Medicare Advantage plans?
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.
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What does Humana Medicare Advantage cover?
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.
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Which is better: Humana Medigap or Medicare Advantage?
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.