Humana Medicare Advantage Plans New York 2025

In the bustling city of New York, where life never stops, it’s essential to have a reliable health care plan.

That’s where Humana Medicare Advantage plans New York 2025 come in, offering New Yorkers a plethora of choices to meet their unique needs. With these plans, you can expect high-quality, cost-effective health care tailored to your lifestyle.


Key Takeaways


  • These plans can lead to cost savings for members, with 63% of Humana’s Medicare Advantage plans in New York having a $0 premium and a variety of copayment structures to manage healthcare expenses.


  • Humana provides additional benefits, including dental, vision, and hearing coverage, and medication allowances, and has special considerations for veterans with plans that offer comprehensive health care and extensive provider networks.

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Spotlight on Humana Medicare Advantage Plans in New York for 2025


Humana Medicare Advantage Plans New York 2025, Spotlight on Humana Medicare Advantage Plans in New York for 2025


Humana’s 2025 Medicare Advantage plans in New York aim for diversity by offering a selection of HMO, PPO, and PFFS options as alternatives to Original Medicare.

These encompass coverage for:

  • hospital services


  • doctor visits


  • lab tests


  • certain preventive screenings


ensuring that your health care needs are met. With over 5.5 million Medicare Advantage members enrolled, Humana’s plans have been recognized for their quality, with 25 contracts receiving a rating of 4 stars or higher for 2025.

The average star rating for Humana’s Medicare Advantage plans in 2025 is 4.34, indicating a high level of satisfaction among members.

The key goal of these plans is to provide cost-effective, quality healthcare coverage, tailored to the varied healthcare needs of members. Rest assured; your well-being is in good hands with Humana.


Plan Diversity

Humana’s 2025 Medicare Advantage plans in New York, including Medicare Advantage HMO PPO options, are not uniform. They cater to different needs and preferences, offering a variety of options.

The HMO plans require members to use a designated network of healthcare providers, while the PPO plans offer more flexibility, allowing members to seek care from any provider that accepts the insurance.

There are also specific plans tailored for certain groups such as U.S. military veterans. The Humana USAA Honor with Rx plan is an example of such offerings, thoughtfully crafted to suit the unique needs of veterans.

However, the availability of certain plans, like Humana’s Special Needs Plans (SNPs), may be limited. These SNPs are designed to work with the state Medicaid program to provide comprehensive coverage for eligible individuals.


Enrollment Figures

Humana’s Medicare Advantage plans have attracted substantial interest, with membership exceeding 5.5 million. In fact, for the year 2025, 25 of Humana’s contracts have received a rating of 4 stars or higher. This signifies high member satisfaction and attests to the quality of the plans.

Understanding Your Costs with Humana in NY


Humana Medicare Advantage Plans New York 2025, Understanding Your Costs with Humana in NY


Appreciating the associated costs is of utmost importance while evaluating Humana’s Medicare Advantage plans in New York.

These costs include:

  • Premiums


  • Copayments


  • Out-of-pocket expenses


  • Deductibles


  • Out-of-pocket maximums


These costs may differ depending on the specific plan and location. You should also consider if the plan covers any part of the Medicare Part B premium and the network status of health care providers.

The cost of the plan may be influenced by the specific Medicare Advantage HMO or PPO plan selected, the geographic location within New York, and individual health requirements.

To evaluate the expenses of various plans, you can use Medicare’s plan finder tool or access Humana’s website. By entering your ZIP code, you can view the available plans and conduct comparisons.

Humana also offers free language interpreter services to assist non-English speaking members in understanding their plan options.


Premiums and Savings

The average premium for Humana Medicare Advantage plans in New York is $30.79 per month, which may vary depending on the specific plan and location, including states like MD, ME, MI, and MN. For 2025, the projected average premium is $18.50 per month.

When compared to the national average, Humana’s plans in New York are favorably priced at an average of $9 per month, with the highest monthly premium available for one of these plans at $30.79.

Moreover, 63% of Humana’s Medicare Advantage plans in New York have a $0 premium in 2025. This means that a significant number of enrollees can access quality health care without having to worry about monthly premiums.


Copayment Structure

Grasping the copayment structure of your selected Medicare Advantage plan is vital for managing your healthcare expenses. Humana’s Medicare Advantage plans in New York encompass copays for services such as preventive exams, telemedicine, and pharmacy services.

The specific copayment amount may differ, but individuals eligible for both Medicare and Medicaid under Humana’s D-SNPs benefit from $0 copays on all covered Part D prescriptions.

Certain services may have higher copayments, but these can vary depending on the plan. It’s also important to note that the plan’s network of doctors and providers can impact the overall cost.

Before choosing a plan, make sure to review its copayment structure and understand what will be expected of you financially.

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Exclusive Benefits for New Yorkers


Humana Medicare Advantage Plans New York 2025, Exclusive Benefits for New Yorkers


Humana’s Medicare Advantage plans in New York present a multitude of unique benefits, including:

  • Dental, vision, and hearing coverage, in addition to the standard features of Humana’s plans


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


  • Partnership with One Medical, making it an in-network provider for Humana Medicare Advantage plans in New York City


These features and partnerships set Humana’s plans apart in the state of New York.

Members also benefit from extensive prescription drug coverage included in most Medicare Advantage plans. Special Needs Plans are mandated to offer prescription drug coverage, ensuring extensive medication accessibility for plan members.


Prescription Drug Coverage

Humana’s Medicare Advantage plans in New York provide comprehensive prescription drug coverage, covering a wide range of medications. This includes specialty medications, and members have the option to use MyHumana to access information on the specific drugs covered by their plan and verify medication prices.

However, potential limits or restrictions on prescription drug coverage should be noted. These limitations may encompass quantity restrictions imposed for safety and cost considerations.

Therefore, it’s always advisable to review the specifics of the prescription drug coverage offered by your chosen plan.


Extra Services

Besides comprehensive health care coverage, Humana’s Medicare Advantage Plans in New York feature a range of additional services. These include coverage for dental, vision, and hearing, leading to a holistic approach to health care.

From dental check-ups to eye exams and hearing aids, these additional benefits ensure that your health care is well-rounded and comprehensive.

Furthermore, Humana’s plans offer an allowance that can be utilized for:

  • eligible groceries


  • over-the-counter products


  • utilities


  • rent


This provides a well-rounded health care solution.

Navigating Networks: Humana’s Provider Accessibility


Humana Medicare Advantage Plans New York 2025,Navigating Networks: Humana's Provider Accessibility


While navigating health care networks can be intricate, Humana simplifies the process with its Medicare Advantage Plans in New York. The in-network providers offer a wide range of benefits, including coverage for prescription drugs, routine dental, vision, and hearing care.

Members can also access additional benefits like insulin savings programs and generally experience reduced out-of-pocket expenses compared to Medicare.

To locate in-network providers, members can use the search tool on the Humana website or seek assistance from a Member Services specialist.

These resources make it easier to find doctors, specialists, and facilities that are in-network, facilitating efficient navigation and utilization of the network for members’ health care requirements.


In-Network Advantages

Using in-network providers with Humana’s Medicare Advantage plans in New York comes with many benefits, including:

  • Comprehensive Medicare Parts A and B coverage


  • An annual allowance for eligible expenses


  • Cost-effective prescription drug coverage


  • Supplementary benefits such as hearing, vision, and dental coverage (in some plans)


Remaining in-network can lead to substantial cost savings. With Humana’s in-network providers, members can access value-based care and prescriptions at reduced costs within lower cost preferred pharmacies.

This means that you can maintain your health without straining your budget.

Special Considerations for Veterans


Humana Medicare Advantage Plans New York 2025, Special Considerations for Veterans


Humana acknowledges the sacrifices of our nation’s veterans by offering the Humana USAA Honor plans. These are custom designed to align with veterans’ benefits, providing them with comprehensive healthcare coverage.

These plans provide coverage that complements the care offered by the Veterans Affairs (VA) system.

The advantages of the USAA Honor plan for veterans include:

  • $0 monthly plan premium


  • Reduction in Part B Medicare premiums


  • Comprehensive dental, vision, and hearing coverage


  • Large network of providers


This shows Humana’s commitment to providing quality health care to those who have served our country.


Comparing Plans: Find Your Fit

Selecting the ideal Medicare Advantage plan to meet your unique needs can seem challenging. However, with the diverse options offered by Humana in New York, you can find a perfect fit.

From coverage and cost to provider network and prescription drug coverage, there are several factors to consider when comparing plans.

Humana Insurance Company provides resources to aid in comparing benefits, costs, and coverage across different plans.

These include evaluations of prescription drug coverage and network availability of doctors, enabling individuals to select a plan that aligns with their healthcare requirements.


Plan Comparison Checklist

Humana Medicare Advantage Plans New York 2025, Plan Comparison Checklist

While comparing Humana’s Medicare Advantage plans, considering factors like:

  • Coverage


  • Cost


  • Provider network


  • Prescription drug coverage


  • Extra benefits


  • Quality ratings


  • Flexibility


is key. This will help you identify the most suitable plan for your requirements.

Humana’s plans in New York are distinguished by:

  • Potential prescription savings


  • Additional services like the Humana Healthy Options Allowance


  • Coverage for dental, vision, and hearing


  • Various plan types, including HMO, PPO, and PFFS, to accommodate diverse needs.

Customer Support and Resources

Humana extends strong customer support to its Medicare Advantage plan members in New York. You can reach customer service by dialing their general line or for specialized assistance, utilize their dedicated line.

Operational hours for customer support extend daily from 8 a.m. to 8 p.m., ensuring you can get the help you need when you need it, whether you’re inquiring about plans in MD, ME, MI, MN, or any other state.

In addition to phone support, Humana provides online resources through their member portal.

Here, you can find:

  • Forms


  • Support for your plan


  • Programs and services designed to support your health


Contact Channels

Humana provides several channels for customer support. The general customer service line is accessible for all queries, while specialized assistance is available through a dedicated number.

If you prefer online interaction, Humana offers live chat support through your MyHumana account.

Apart from the telephone and live chat options, Humana’s customer support can also be reached through their social media channels. Plus, for those who speak languages other than English, Humana offers customer service in multiple languages.


Compliance and Non-Discrimination Policies

Humana Medicare Advantage Plans New York 2025,Compliance and Non-Discrimination Policies

Humana is committed to preventing any discrimination based on the following factors:

  • Race


  • National origin


  • Age


  • Disability


  • Sex


  • Marital status


They guarantee equal treatment for all individuals and strictly adhere to all applicable laws and regulations, which prohibit discrimination on these grounds.

If you ever find yourself facing discrimination, know that Humana has a structured grievance process.

Complaints can be reported verbally or in writing to Discrimination Grievances at a specified address or by calling the number on the back of the insurance card.


Humana’s Medicare Advantage plans in New York for 2025 offer a diverse range of options tailored to meet your unique health care needs. Whether you prefer a plan with a specific network of providers, need prescription drug coverage, or are a veteran looking for a plan that complements your VA benefits, Humana has you covered.

With robust customer support, compliance and non-discrimination policies, and a variety of plans to choose from, you can find a plan that fits your lifestyle and budget.


Frequently Asked Questions


→  What is new for Humana 2025?

In 2025, every Humana USAA Honor plan offers a $0 monthly plan premium, Part B giveback, dental, vision, and hearing coverage, as well as access to Customer Care specialists.

Additionally, all Humana Medicare Advantage plans now include dental, vision, and hearing benefits.


  What is the best Medicare Advantage plan for 2025?

The best Medicare Advantage plan for 2025 is with UnitedHealthcare, known for its balance of quality coverage, affordable costs, large provider network, plan options, and additional benefits. Many beneficiaries find UHC appealing.


  What is the Humana over the counter allowance for 2025?

In 2025, the Humana over-the-counter allowance includes a $100 quarterly mail order allowance for approved health and wellness products, with any unused amount expiring at the end of the quarter. (The information may vary as it is subject to change without notice.)


  Are Medicare premiums going down in 2025?

Medicare Part B premiums are going up in 2025, with the standard monthly premium increasing to $174.70, an increase of $9.80 from the previous year.

It’s important to be aware of these costs when planning for healthcare expenses.


 What types of Humana Medicare Advantage plans are available in New York for 2025?

Humana offers a variety of Medicare Advantage plans in New York for 2025, including HMO, PPO, and PFFS options, as well as the USAA Honor with Rx plan for veterans.

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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.