Humana Medicare Advantage Plans Michigan 2025
Shopping for Humana Medicare Advantage plans in Michigan for 2025? Gain insight into the plan types, costs, and benefits specific to your region.
This article aims to provide you with the essential details to make an educated choice about your Humana Medicare Advantage Plans Michigan for 2025 coverage.
Key Takeaways
- Humana’s Medicare Advantage plans in Michigan for 2025 cover a wide range of healthcare needs with a $0 premium option for 63% of their plans and are designed to be inclusive to all eligible individuals irrespective of race, color, national origin, age, disability, or sex.
- Humana offers various Medicare Advantage plans in 2025, including Chronic Condition Special Needs Plans (C-SNPs) and co-branded plans with USAA for veterans, as well as robust Prescription Drug plans. Additionally, Humana provides a spectrum of supplemental benefits such as dental, vision, and fitness services.
- The quality of Humana’s Medicare Advantage plans in Michigan is evidenced by high CMS star ratings, averaging 4.34 for 2025, and the fact that 94% of Humana’s Medicare Advantage members are enrolled in plans rated 4 stars and above.
- Customer support and resources are diligently provided, ensuring a supportive enrollment and service experience.
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Humana Medicare Advantage in Michigan: 2025 Overview
As one of the leading providers of Medicare Advantage plans, Humana has made a considerable footprint in Michigan. With its Medicare Advantage HMO plans accessible in most U.S. counties (94%), Humana maintains a strong presence in Michigan.
Humana distinguishes itself by meticulously designing its Medicare Advantage plans, grounded in thorough research into the needs and preferences of Medicare-eligible consumers.
Humana’s approach ensures that the plans are tailored to accommodate various budgets and healthcare requirements for beneficiaries in Michigan. This complies with their Medicare contract that stipulates the terms of their Medicare Advantage plans.
Furthermore, Humana’s Medicare Advantage plans extend to all eligible individuals without discrimination based on:
- race
- color
- national origin
- age
- disability
- sex
This commitment to comprehensive, accessible healthcare makes Humana a frontrunner in providing Medicare Advantage plans in Michigan. Now, we explore the various types of plans that Humana offers.
Plan Types Offered by Humana in Michigan
Humana offers a variety of Medicare Advantage plans to cater to the diverse healthcare needs of Michigan residents, including those eligible for the state Medicaid program. Among these are the Chronic Condition Special Needs Plans (C-SNPs) tailored for individuals with specific chronic conditions.
In collaboration with USAA, Humana also presents the Humana USAA Honor with Rx plan, uniquely designed to cater to the requirements of U.S. military veterans.
In 2025, Humana introduced additional plans in partnership with other companies. These co-branded plans include the Humana USAA Honor with Rx plan, which caters specifically to veterans and is available in Michigan, among other states.
Humana also provides Medicare Advantage Prescription Drug plans (MAPDs) in Michigan, in addition to stand-alone prescription drug plans and Medicare Advantage plans that do not include drug coverage.
These plans are open to all qualifying individuals irrespective of their national origin, age, or disability.
With such a diverse range of offerings, Humana can cater to a multitude of healthcare needs and preferences, leaving no beneficiary overlooked.
Cost and Premiums for Humana Plans in Michigan
One of the key considerations when choosing a Medicare Advantage plan is the cost. For 2025, 63% of Humana’s Medicare Advantage Plans in Michigan offer a $0 premium. Moreover, 19% of these plans provide some reduction in the Medicare Part B premium. This makes Humana’s plans financially accessible to a broad spectrum of beneficiaries.
In 2025, the minimum monthly premium for Medicare Part B stands at $174.70, applicable to all qualifying individuals, irrespective of their origin, age, disability, or sex. It’s important to consider this cost when budgeting for healthcare expenses.
However, premiums are not the only costs to consider. Beneficiaries should also consider a range of out-of-pocket expenses including:
- Co pays
- Coinsurance
- Deductibles
- The monthly Medicare Part B premium
- In-network and out-of-network out-of-pocket maximums
- Any additional benefits they may opt for
Understanding these costs, including cost sharing, can help beneficiaries make an informed decision about which plan best fits their budget and healthcare needs.
Extra Benefits and Coverage
One of the standout features of Humana’s Medicare Advantage plans in Michigan is the inclusion of supplementary benefits that exceed the offerings of traditional Medicare. These additional benefits are available to all eligible individuals.
Supplementary benefits offered by Medicare include:
- Dental services
- Vision services
- Hearing services
- Fitness services
- Telehealth services
These services go beyond the scope of traditional Medicare, ensuring that Medicare beneficiaries have access to comprehensive healthcare services.
For the year 2025, 97% or more of individual Humana Medicare Advantage plans in Michigan provide a variety of benefits, including:
- Vision
- Fitness
- Hearing
- Dental
These benefits extend to all qualifying individuals, void of any discrimination based on age, disability, sex, ensuring equal opportunities.
This comprehensive coverage makes Humana’s plans an advantageous choice for those seeking wide-ranging healthcare services.
Network and Provider Access
Having access to a broad network of healthcare providers is crucial for ensuring easy access to quality care. Humana’s Medicare Advantage plans in Michigan offer an extensive network that encompasses family doctors or primary care physicians (PCP), ensuring that plan members have access to high-quality care in various states, including CA, CT, DC, DE.
Humana plan members in Michigan can employ the ‘Find a doctor’ tool on the Humana website to:
- Locate and access healthcare providers within the network
- Easily find suitable healthcare providers within their network
- Make it convenient to access the care they need
While Humana members in Michigan are allowed to utilize out-of-network providers, the coverage for such services will be contingent upon a reimbursement schedule set by Humana, which may impact costs and benefits.
Members are urged to patronize lower-cost preferred pharmacies within the network to optimize their savings. This flexibility in provider access makes Humana’s plans a convenient choice for many beneficiaries.
Star Ratings and Third-Party Evaluations
Quality and customer satisfaction are fundamental considerations when choosing a Medicare Advantage plan.
Humana’s Medicare Advantage plans in Michigan have been recognized for their high quality and customer satisfaction, as reflected in their star ratings and third-party evaluations.
The CMS has assigned an average star rating of 4.34 to Humana’s Medicare Advantage plans in Michigan for 2025. Moreover, 94% of Humana’s Medicare Advantage members are enrolled in plans rated 4 stars and above for 2025.
Additionally, four of Humana’s contracts have achieved a 5-star rating on the CMS’s 5-star rating system.
The elevated CMS Star Ratings for Humana’s plans are a testament to their superior quality of care, effective clinical outcomes, and exceptional customer service.
These factors are integral to how Medicare Advantage plans are rated, focusing on both quality of clinical care and levels of customer satisfaction, making Humana Insurance Company a top choice for many beneficiaries.
Enrollment Process and Eligibility
The enrollment process for Humana’s Medicare Advantage plans is straightforward and convenient. The eligibility criteria for Humana Medicare Advantage plans in Michigan require individuals to:
- Be eligible for Medicare Part A and Part B
- For Dual-Eligible Special Needs Plans (D-SNPs), be eligible for both Medicare and Medicaid services
- Reside in the service area where the plan is offered
To enroll in Humana Medicare Advantage plans in Michigan, individuals can follow these steps:
- Visit the official Humana website or contact their customer service.
- Select a suitable plan.
- Complete the enrollment form with personal information and Medicare details.
- Confirm their plan selection.
To enroll in a Humana Medicare Advantage plan, you will need the following documents:
- Medicare card
- Proof of age
- Proof of residency
- Proof of citizenship or legal residency status
- Proof of income
Having these documents ready can expedite the enrollment process.
Customer Support and Resources
Humana is dedicated to delivering outstanding customer support and resources to plan members in Michigan.
Humana members have the option to reach out to Humana Insurance Services by dialing 800-457-4708 (TTY: 711) or utilizing the online chat feature upon logging into their account.
Humana customer support in Michigan operates daily from 8 a.m. to 8 p.m. Eastern time and includes the provision of a toll-free number for residents. In addition to answering questions about plan benefits, customer support can also provide information about transportation benefits included in certain plans.
For assistance in languages other than English, you can call 1-877-320-1235, option 9 (TTY: 711). Customer support can help answer questions about dental coverage and other plan benefits.
These multilingual customer support options make Humana accessible to a wide range of beneficiaries.
Comparing Humana Plans with Other Providers in Michigan
In the process of selecting a Medicare Advantage plan, comparing offerings from various providers is a critical step. The average expenses and premiums of Medicare Advantage plans from other providers in Michigan amount to $21.23 per month in 2025.
It’s essential to evaluate this in contrast to the costs of Humana’s plans, including the Humana USAA Honor plans, as they might present varying pricing models and advantages that could impact the overall value for a beneficiary.
Humana’s Medicare Advantage plans in Michigan stand out due to their comprehensive coverage of dental, vision, and hearing, along with the option for members to choose their preferred doctors to manage their medical needs. With an average rating of 4.34 stars, Humana’s Medicare Advantage plans are acknowledged for providing high-quality coverage.
Nonetheless, it’s advisable for beneficiaries to conduct a detailed comparison of specific benefits, as coverage particulars may differ among other providers in Michigan.
Humana offers a varied range of plan types in Michigan, including Medicare Advantage plans, dental plans, and vision insurance, catering to a wide array of medical, dental, and vision care requirements.
Although other providers may have similar plan types, the specific benefits, costs, and coverage details are not the same, emphasizing the need to tailor the plan choice to the individual’s specific needs.
Tips for Choosing the Right Plan
Several factors warrant consideration while choosing the apt Medicare Advantage plan. These include costs, network access, prescription coverage, extra benefits, and third-party ratings.
To evaluate the expenses and prescription benefits of various Medicare Advantage plans in Michigan, one can utilize the Medicare plan finder tool to analyze monthly premiums, out-of-pocket costs such as deductibles and copayments, drug coverage, and evaluate additional benefits.
Additionally, it is crucial to review the ratings of the insurance companies and consider individual healthcare needs and preferences.
The network access of Humana’s Medicare Advantage plans in Michigan can be assessed by reviewing details on MyHumana.com or entering one’s ZIP code on the Humana website to retrieve information about their Medicare Advantage PPO plans, including costs and coverage.
Supplementary benefits and third-party ratings also play a vital role in assessing the quality and customer satisfaction of the plan provider, which are essential considerations for making a well-informed choice.
Summary
In conclusion, Humana’s Medicare Advantage plans in Michigan offer a variety of options tailored to meet diverse healthcare needs and budgets.
With a wide range of plan types, comprehensive coverage, a broad network of providers, and high-quality customer service, Humana stands as a leading choice for Medicare Advantage plans in Michigan. As with any healthcare decision, it’s essential to evaluate your individual needs, preferences, and budget to choose the plan that best suits you.
Frequently Asked Questions
→ What is new in Humana in 2025?
In 2025, all Humana USAA Honor plans offer a $0 monthly plan premium, Part B giveback, dental, vision, and hearing coverage, as well as access to Humana Customer Care specialists, trained to better serve.
Additionally, all Humana Medicare Advantage plans now include dental, vision, and hearing benefits.
→ What is the Humana over-the-counter allowance for 2025?
The Humana over-the-counter allowance for 2025 is a $100 quarterly allowance for approved health and wellness products available through their OTC mail-order provider, with any unused amount expiring at the end of the quarter.
→ What are the disadvantages of Humana Medicare Advantage?
The disadvantages of Humana Medicare Advantage include a more limited choice of doctors and medical offices than with Original Medicare and potentially higher costs for those with complex medical needs.
It is best suited for individuals who do not require expensive treatments or tests.
→ What types of plans does Humana offer in Michigan?
Humana offers a variety of Medicare Advantage plans in Michigan, including HMO, PPO, PFFS, and SNPs, as well as unique plans tailored for veterans and prescription drug coverage.
→ What are the costs associated with Humana’s Medicare Advantage plans in Michigan?
The costs associated with Humana’s Medicare Advantage plans in Michigan include premiums, copays, coinsurance, deductibles, and the monthly Medicare Part B premium.
Many of the plans offer $0 premiums and some provide a reduction in the Medicare Part B premium.
ZRN Health & Financial Services, LLC, a Texas limited liability company
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.