Humana Medicare Advantage Plans Iowa 2025

Navigating your Humana Medicare Advantage plans Iowa 2025 options with Humana? This guide provides a straightforward look at the Humana Medicare Advantage plans in 2025 tailored for Iowans, covering the types of plans, what they include, and what you might expect to pay.

As we unpack the features that distinguish Humana’s offerings, we aim to help you make an informed decision for your healthcare needs without the usual confusion.


Key Takeaways



  • 94% of Humana’s Medicare Advantage members are in plans rated 4 stars and above by CMS, and Humana offers extra benefits such as prescription drug coverage, dental and vision care, as well as wellness initiatives like SilverSneakers fitness program.

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Understanding Humana Medicare Advantage in Iowa


Humana Medicare Advantage Plans Iowa 2025, Understanding Humana Medicare Advantage in Iowa


In 2025, Humana plans to roll out a variety of Medicare Advantage plans in Iowa as per its Medicare contract. A grand total of 70 plans will be made available, a testament to Humana’s commitment to providing a comprehensive range of choices to cater to varied needs.

Each of these plans serves as a substitute for Original Medicare, providing coverage for:

  • hospital services


  • doctor visits


  • lab tests


  • preventive screenings


Moreover, Humana’s Medicare Advantage Prescription Drug Plan includes:

  • Prescription drug coverage, supplementing the standard benefits of Medicare Advantage plans


  • Coverage for all eligible individuals, regardless of disability


  • The average monthly premium for these plans in Iowa for the year 2025 is a reasonable $11.71


  • All Medicare-eligible individuals in the state have access to $0-premium plans.


The design of Humana’s Medicare Advantage plans, influenced by research into the needs and preferences of Medicare-eligible consumers, emphasizes affordability, stability, and value.

They also offer the Humana USAA Honor (PPO) plan in various counties in Iowa, providing coverage to all eligible individuals, irrespective of their race, color, national origin, age, disability, or gender.

You can check the availability of Humana plans in your area by entering your ZIP Code on their official website.

Types of Humana Medicare Advantage Plans in Iowa


Humana Medicare Advantage Plans Iowa 2025, Types of Humana Medicare Advantage Plans in Iowa


In Iowa, Humana provides three primary types of Medicare Advantage plans: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Private Fee-For-Service (PFFS) plans.

Each type of plan has unique attributes to cater to different healthcare needs and preferences, ensuring a fit for everyone.


HMO Plans

The Humana Medicare Advantage HMO plan in 2025 combines Medicare benefits with a Health Maintenance Organization (HMO) network.

This plan type may necessitate members to use in-network providers, making it crucial to refer to Humana’s resources to verify in-network doctors and stay informed about contract renewal and any changes in the provider network.

In most instances, members under the Humana HMO Medicare Advantage plan are required to obtain a referral to see a specialist. This might seem like an extra step, but it’s designed to ensure a coordinated approach to your healthcare.

To ensure clear communication between members and healthcare providers, Humana offers free language interpreter services.

Humana HMO plans also offer cost-sharing options such as a maximum of $35 member cost share for a one-month supply of covered Part D insulin. Preferred cost-share pharmacies may provide prescriptions at a reduced cost for Humana Medicare members.


PPO Plans

Flexibility is at the core of Humana’s PPO plans. They allow members to access care from both in-network and out-of-network providers without the need for a referral.

This means you have the freedom to choose any Medicare-approved doctor that you prefer. However, opting for an out-of-network provider may result in increased out-of-pocket expenses.

For coverage of out-of-network services, it’s recommended to seek a pre-service organization determination to confirm whether the service will be included. This can be done through Humana insurance services, ensuring you’re not left in a lurch when it comes to your healthcare needs.

Humana PPO Medicare Advantage Plans in Iowa offer the following benefits, which are also common in Medicare Advantage HMO PPO plans:

  • Medicare Parts A and B coverage


  • Annual out-of-pocket maximum


  • Coverage for prescription drugs


  • Supplementary benefits such as dental, vision, and hearing coverage.


Certain plans may also include an allowance for eligible groceries and over-the-counter products.


PFFS Plans

Iowa’s Humana Medicare Advantage PFFS plan, a Private Fee-For-Service plan offered by a reputable organization, allows you to choose any Medicare-approved doctor or hospital that accepts the plan’s payment terms and conditions.

This means you have the freedom to choose your providers without worrying about network restrictions.

While there may be a network, its utilization is not obligatory. Nevertheless, it’s advisable to verify provider acceptance of these terms before seeking services and to consider lower cost preferred pharmacies for prescription needs.

This provides the maximum flexibility when it comes to healthcare providers.

These plans encompass prescription drug coverage and provide emergency care both nationally and internationally. Some plans may also include access to CenterWell health care services.

It’s essentially a one-stop solution, ensuring healthcare coverage for all eligible individuals, including those who receive Medicaid services.

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Star Ratings of Humana Medicare Advantage Plans in Iowa


Humana Medicare Advantage Plans Iowa 2025, Star Ratings of Humana Medicare Advantage Plans in Iowa


Each Medicare Advantage plan is assigned a star rating by CMS, ranging from 1 to 5, with 5 denoting a top-rated plan.

These ratings serve as an assessment of the plans’ quality and performance, reflecting Humana’s commitment to putting health and well-being first for their members.

In 2025, 94% of Humana’s Medicare Advantage members are enrolled in plans rated 4 stars and above by CMS. This is a testament to Humana’s commitment to quality healthcare, as it outpaces many other providers in the ratings.

The maximum star rating for Medicare Advantage plans in Iowa for the year 2025 is 4.5 stars, showcasing the high quality of Humana’s Medicare Advantage contract offerings in the state.

Moreover, four of Humana’s contracts have been awarded a 5-star rating on CMS’s 5-star rating system, recognizing their outstanding quality and services provided to Medicare beneficiaries, including those who have served Medicare beneficiaries.

Comparing Humana Plans with Other Providers in Iowa


Humana Medicare Advantage Plans Iowa 2025, Comparing Humana Plans with Other Providers in Iowa


Although Humana provides a broad selection of Medicare Advantage plans in Iowa, considering other providers is also crucial. Some of the other providers in Iowa include:

  • Aetna


  • Anthem


  • Blue Cross Blue Shield


  • Cigna


  • Health Alliance Medicare


  • Medica


  • MediGold


  • UnitedHealthcare


UnitedHealthcare, for instance, provides four distinct types of Medicare Advantage (Part C) plans in Iowa, offering a range of options for eligible individuals. Similarly, Aetna Medicare Advantage plans differ from Humana’s in terms of plan variety and enrollment.

Aetna may feature a larger network and offer a more user-friendly mobile app, but Humana holds a larger share of the Medicare Advantage market with higher enrollment rates and more plan availability.

The star ratings for UnitedHealthcare’s Medicare Advantage plans in Iowa are 4.5, indicating high quality and showcasing the competitive landscape of Medicare Advantage plans in the state. It’s important to examine these factors when choosing the right plan for your healthcare needs.

Extra Benefits and Services Offered by Humana


Humana Medicare Advantage Plans Iowa 2025, Extra Benefits and Services Offered by Humana


Humana’s Medicare Advantage plans in Iowa extend beyond mere basic coverage. They offer prescription drug coverage as a crucial part of their plans, ensuring all bases are covered when it comes to healthcare.

In addition to this, they also provide coverage for routine dental and vision care. The dental benefits encompass yearly exams, while the vision coverage includes eye exams, glasses, contacts, and additional services.

This prevents you from needing to seek separate insurance for these services, simplifying your healthcare coverage.

Humana goes a step further by offering wellness initiatives like the SilverSneakers fitness program at no additional cost.

This program grants access to local gyms and fitness centers, enabling both indoor and outdoor exercise opportunities. This is part of Humana’s commitment to promote preventive care and overall well-being.


Tips for Choosing the Right Humana Plan in Iowa

Several factors must be considered when selecting the appropriate Humana Medicare Advantage plan in Iowa. Here are some steps to help you make the right choice:

  • Evaluate the plan’s expenses.


  • Confirm if your doctor is part of the Humana network in Iowa.


  • Utilize the Humana provider search tool on their website or the Humana Medicare Advantage plan finder to establish if your doctor is in-network.


Next, assess how the plan covers your medications, which drugs are included on the drug list or formulary, and any coverage rules that apply. Humana regularly updates their drug list based on doctors’ inputs, ensuring the most widely prescribed drugs are covered.

Finally, don’t forget to inquire about the extra benefits when making your plan selection. In addition to the standard benefits, Humana Medicare Advantage plans may provide supplementary advantages, such as dental coverage.

These factors will guide you to choose the right plan that suits your healthcare needs and financial situation.

Resources for Iowa Medicare Beneficiaries

Various resources and assistance programs are available to Medicare beneficiaries in Iowa through the state.

These resources can be invaluable in helping you navigate the complexities of Medicare and make informed decisions.

Humana provides an array of resources for its Medicare Advantage plan beneficiaries in Iowa, including:

  • An allowance for eligible groceries, over-the-counter products, utilities, and rent


  • PPO plans that enable beneficiaries to consult any Medicare-approved doctor


  • Daily customer service support to answer any questions or provide assistance with Medicare plans


Humana Insurance Company strives to provide comprehensive support to its members, as the effectiveness of a Humana plan depends on meeting their unique needs.


Humana’s Medicare Advantage plans in Iowa for 2025 offer a variety of choices to cater to the diverse needs of its members. From HMO, PPO, and PFFS plans, each type of plan comes with its unique attributes, ensuring a fit for everyone.

Humana’s commitment to quality healthcare is further underscored by its impressive CMS star ratings.

Choosing the right plan can seem daunting, but with the right resources and support, it doesn’t have to be. Consider all the factors, compare plans, and don’t hesitate to seek help when needed. Remember, the right healthcare plan is a steppingstone to a healthier and happier life.


Frequently Asked Questions


→  What is new in Humana in 2025?

In 2025, Humana Medicare Advantage (MA) plans now offer dental, vision, and hearing benefits, providing more comprehensive coverage for members.


  What is the best Medicare Advantage plan for 2025?

For 2025, the best Medicare Advantage plans are offered by UnitedHealthcare and Humana, providing a good balance between quality coverage, affordable costs, and a large provider network.

UnitedHealthcare’s plans stand out for their network size, while Humana is praised for its high-quality ratings, customer satisfaction, and availability of $0-per-month plans.


  What is the Humana over the counter allowance for 2025?

In 2025, the Humana over-the-counter allowance is a $100 quarterly allowance for purchasing approved health and wellness products through their OTC Mail Order provider. Unused amounts expire at the end of each quarter.


  What are the disadvantages of Humana Medicare Advantage?

The disadvantages of Humana Medicare Advantage include limited choice of doctors and medical offices, as well as potential higher costs for those with complex medical needs.

These plans may be best suited for individuals who do not require expensive treatments or tests.


 What varieties of Humana Medicare Advantage plans will be accessible in Iowa for the year 2025?

In Iowa for the year 2025, you can access various categories of Humana Medicare Advantage plans, including HMO, PPO, and PFFS plans. These options will offer a range of choices for your healthcare needs.

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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.