Humana Medicare Advantage Plans Iowa 2025

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

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


Key Takeaways


  • At least 94% of Humana’s Medicare Advantage members may be in plans rated 4 stars and above by CMS, and Humana could potentially offer extra benefits such as prescription drug coverage, dental and vision care, and hearing coverage.


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Understanding Humana Medicare Advantage in Iowa


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


Humana will likely provide a variety of Medicare Advantage plans in Iowa as per its Medicare contract, a testament to Humana’s commitment to providing a comprehensive range of choices to cater to varied needs.

Some of these potential plans may serve as a substitute for Original Medicare, possibly providing coverage for:

  • hospital services


  • doctor visits


  • lab tests


  • preventive screenings


Moreover, the plans that may offer  Humana’s Medicare Advantage Prescription Drug Plan could potentially include:

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


  • Coverage for all eligible individuals, regardless of disability


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

Some plans might also offer the Humana USAA Honor (PPO) plan in various counties in Iowa, potentially providing coverage to all eligible individuals.

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 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. 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 may 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.


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 plan’s quality and performance, reflecting Humana’s commitment to putting health and well-being first for their members.

In 2023, at least 94% of Humana’s Medicare Advantage members are enrolled in plans rated 4 stars and above by CMS. This could be a testament to Humana’s commitment to quality healthcare.

The maximum star rating for Medicare Advantage plans in Iowa from 2023 was 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 the 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 may provide a broad selection of Medicare Advantage plans in Iowa, considering other providers may also be 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, may provide up to four distinct types of Medicare Advantage (Part C) plans in Iowa, possibly offering a range of options for eligible individuals. Similarly, some Aetna Medicare Advantage plans will likely 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.


Potential Benefits and Services Offered by Humana


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


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

In addition to this, some plans could potentially provide coverage for routine dental and vision care. The dental benefits will likely encompass yearly exams, while the vision coverage might include eye exams, glasses, and contacts.

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


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 that could help you make the right choice:

  • Evaluate the plan’s possible 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 might cover your medications, which drugs may be included on the drug list or formulary, and any coverage rules that apply. Humana regularly updates their drug list based on doctors’ inputs, possibly ensuring the most widely prescribed drugs are covered.

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

These potential factors could 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 will likely be available to Medicare beneficiaries in Iowa through the state.

Some of these resources could be invaluable in helping you navigate the complexities of Medicare and make informed decisions.

Humana will likely provide an array of resources for its Medicare Advantage plan beneficiaries in Iowa, possibly including:

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


  • Daily customer service support to answer any questions or assist 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.



Some of Humana’s Medicare Advantage plans in Iowa for 2025 might offer a variety of choices that will likely cater to the diverse needs of its members. From HMO, PPO, and PFFS plans, each type of plan may come 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 may seem daunting, but with the right resources and support, it doesn’t have to be. Consider all the potential factors, compare plans, and don’t hesitate to seek help when needed.


Frequently Asked Questions


→  What is new in Humana in 2025?

In 2025, some of Humana’s Medicare Advantage plans may offer dental, vision, and hearing benefits, potentially provide more comprehensive coverage for members. For additional details about the plans for the 2025 calendar year, be sure to keep checking back to this website for updates.


  What is the best Medicare Advantage plan?

Based on data from previous years, the best Medicare Advantage plans will likely be offered by Humana, which could providing a good balance between quality coverage, affordable costs, and a large provider network.


  What are the advantages of Humana Medicare Advantage?

Some of the advantages of certain Humana Medicare Advantage may include its broad range of choices for doctors and medical offices, and potentially lead to lower costs for those with complex medical needs.


 What varieties of Humana Medicare Advantage plans will be accessible in Iowa?

You will likely be able to access various categories of Humana Medicare Advantage plans, including HMO, PPO, and PFFS plans. These options could 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.