Humana Medicare Advantage Plans Virginia 2025

In the realm of healthcare, 2025 brings a new wave of opportunities for Medicare-eligible individuals in Virginia. Humana, a trusted name in healthcare, is set to revolutionize the Medicare landscape with its comprehensive Humana Medicare Advantage Plans Virginia for 2025 offerings.

But what does Humana bring to the table? Let’s delve into the details.


Key Takeaways

  • Humana offers a diverse array of Medicare Advantage plans in Virginia for 2025, including HMO and PPO options that provide additional benefits such as dental, vision, and hearing, with most benefits included without extra premiums.


  • High CMS Star Ratings reflect Humana’s commitment to quality, with 94% of its Medicare Advantage members in Virginia enrolled in plans rated 4 stars or higher, showing high member satisfaction and premium service experience.


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Exploring Humana’s 2025 Medicare Advantage Offerings in Virginia


Humana Medicare Advantage Plans Virginia 2025, Exploring Humana's 2025 Medicare Advantage Offerings in Virginia


Humana demonstrates a clear dedication to designing Medicare Advantage plans in 2025 that meet the varied requirements of Medicare-eligible consumers in Virginia.

With 147 distinct plans, including Medicare Advantage HMO and PPO plans, Humana provides a private plan alternative to traditional Medicare, serving a wide demographic.

Beyond Original Medicare, these plans extend numerous benefits like dental, vision, and hearing coverage. The best part? Most of these benefits come without an extra premium.

This cost-effective, high-quality coverage, coupled with Humana’s commitment to maintaining a strong Medicare contract, makes them a reliable choice for Medicare beneficiaries.


Humana Plan Types and Benefits

The diverse offerings from Humana include HMO, PPO, and Special Needs Plans (SNPs).

These plans cater to individuals of diverse origin, age, disability, and provide various supplementary benefits, such as dental, vision, and hearing coverage, along with allowances for groceries and over-the-counter products. The suitability of a specific Humana plan depends on the individual’s unique needs and preferences.

Humana offers Medicare Advantage HMO PPO plans, with HMO plans standing out for their ability to offer reduced expenses, Medicare perks, prescription drug coverage, and an allowance for eligible groceries and over-the-counter products.

On the other hand, Humana PPO plans provide comprehensive benefits of Medicare Parts A and B, a wide network of healthcare providers, supplementary health and wellness benefits and services, coverage for prescription drugs (Part D), and a high level of member satisfaction.


Network and Prescription Coverage

With a robust provider network and prescription drug coverage, Humana ensures unfettered access to needed care for all members. Each 2025 Humana Medicare Advantage plan in Virginia that includes prescription drug coverage has its own specific list of covered drugs, along with defined guidelines for how these drugs are covered.

To identify the prescription drugs covered by your specific plan in Virginia and to obtain pricing information, you can access the MyHumana platform and utilize the drug search feature.

Moreover, Humana’s PPO plans in Virginia provide the flexibility to consult any Medicare-approved physician, whether within or outside the provider network, provided they accept Medicare. Additionally, you can find lower cost preferred pharmacies in your area to save on medication expenses.


Special Needs Plans

Humana’s Special Needs Plans (SNPs) clearly demonstrate their dedication to serving Medicare beneficiaries from all walks of life, including those who have already served Medicare beneficiaries. These plans cater to individuals with specific health conditions or financial needs.

For instance, Dual-Eligible Special Needs Plans (D-SNPs) cater to those with both Medicare and Medicaid, while Chronic-Condition Special Needs Plans (C-SNPs) cater to individuals with a qualifying health condition.

These plans provide additional coverage for dental, vision, and hearing, in addition to the benefits of Original Medicare (Parts A and B). They are customized to cater to specific populations, offering specialized care and are subject to contract renewal with Medicare.

Evaluating Humana’s Star Ratings and Member Satisfaction


Humana Medicare Advantage Plans Virginia 2025, Evaluating Humana's Star Ratings and Member Satisfaction


The high CMS Star Ratings of Humana testify to their unwavering commitment to quality care, positive clinical outcomes, and superior member service. In 2025, CMS rated 94% of Humana’s Medicare Advantage members as enrolled in plans with a 4-star rating and above.

Furthermore, 61% of Humana Medicare Advantage members are enrolled in plans rated 4.5 stars and above, reflecting the high standards of Humana.

In addition to the high star ratings, Humana has the following accolades:

  • The highest percentage of Medicare Advantage members in 4+ star contracts among all national health plans


  • Ranked as the top health insurer for customer experience quality


  • 96% of Humana’s Medicare Advantage members reported satisfaction with their plans.


Understanding CMS Star Ratings

The CMS Star Rating system is an important tool that Medicare uses to assess and evaluate plans, including Humana and other providers.

This 5-star rating system considers factors like maintaining good health and managing chronic conditions, as well as the responsiveness and quality of care provided by the plan.

Humana’s high CMS Star Ratings can be attributed to their performance in about 40 measures that evaluate the health and drug services provided. The plans receive ratings on a scale of one to five stars, with five stars indicating the highest level of performance.

Over the past five years, Humana has maintained consistently high CMS star ratings, with most of their Medicare Advantage plans receiving a 4-star rating or higher.


Member Experiences with Humana

Humana’s commitment to providing quality care through programs like CenterWell Health Care Services is reflected in their high member satisfaction levels. As of 2025, 96% of Humana’s Medicare Advantage members reported satisfaction with their plans.

However, like all healthcare providers, Humana Insurance Company has its share of challenges.

Some members have expressed grievances about Humana insurance services, such as:

  • coverage denials for essential care


  • unauthorized enrollment


  • enrollment due to misinformation


  • dissatisfaction with customer service or healthcare providers


Humana’s commitment to addressing these concerns and improving member experiences remains strong.

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Cost Considerations for Humana Plans


Humana Medicare Advantage Plans Virginia 2025, Cost Considerations for Humana Plans


When deciding, comprehending the cost of a Medicare Advantage plan is paramount. For the year 2025, Humana’s Medicare Advantage plans in Virginia have an average monthly premium of $13.

This is lower than the average premium for Medicare Advantage plans in the state, making Humana a cost-effective choice for many beneficiaries.

Moreover, Humana’s Medicare Advantage plans in Virginia also include an annual maximum out-of-pocket cost limit. This means that upon reaching this limit, beneficiaries will not be required to make any further payments for covered services.


Premiums and Cost-Sharing Details

It is vital to grasp how premiums and cost-sharing function when scrutinizing Humana’s Medicare Advantage plans. In 2025, the average monthly premium for Humana’s Medicare Advantage plans in Virginia is $13. This represents the cost for enrollees in the state.

However, the expected average monthly plan premium among all Medicare Advantage enrollees is $18.50. In Virginia, 99% of beneficiaries can enroll in a Medicare Advantage Plan with Prescription Drug coverage (MA-PD) that does not entail an additional monthly premium in addition to the standard Medicare Part B premium.

Cost-sharing is another important factor to consider. This refers to the amount you pay for healthcare services under your plan, including copayments, coinsurance, and deductibles. The specific cost-sharing amounts will depend on the plan and the healthcare service.


Medicare Part B Premium Reductions

One of the financial advantages of choosing a Humana Medicare Advantage plan is the potential for a Medicare Part B premium reduction. This refers to the practice of insurance companies subsidizing a portion of your Part B premium, thereby decreasing your monthly Medicare expenses. Humana is one of the providers that offer such reductions.

Humana provides Medicare Part B premium reductions through their Medicare Advantage plans.

These plans may feature a Part B giveback benefit, which entails returning a portion of the Medicare Part B premium back to the beneficiary. The extent of the premium reduction is contingent on the specific plan.

Extra Perks of Choosing Humana


Humana Medicare Advantage Plans Virginia 2025, Extra Perks of Choosing Humana


Not limited to basic healthcare coverage, Humana’s Medicare Advantage plans proffer a range of extra benefits such as Medicaid services, fitness memberships, transportation aids, meal delivery services, telehealth services, and allowances for over-the-counter purchases.

These added perks make Humana’s plans more than just health insurance—they’re a comprehensive support system for your health and wellbeing.

For instance, Humana’s Medicare Advantage plans offer the following benefits:

  • Fitness membership through the SilverSneakers program, allowing access to over 15,000 fitness locations nationwide at no extra charge


  • The Humana Well Dine program, offering complimentary meal delivery to ensure that members receive nutritious meals following hospital discharge


  • Telehealth services, allowing beneficiaries to have virtual appointments with medical doctors at any time, 24/7, and schedule appointments with behavioral health specialists, all from the comfort of their homes.


Health and Wellness Programs

Humana’s Medicare Advantage plans come with an array of health and wellness programs designed to improve the overall health and wellbeing of members.

The SilverSneakers program, for instance, is a fitness program tailored for individuals with Medicare, offering access to over 15,000 fitness locations nationwide at no extra charge.

Another great program is Humana’s Well Dine, which offers qualified members:

  • Complimentary meal delivery as a component of their benefit package


  • Nutritious and well-balanced meals following hospital discharge


  • Promotion of recovery and enhancement of overall wellbeing


This program ensures that members receive the support they need for a healthy and successful recovery.


Innovative Benefits

Humana’s commitment to innovation is evident in the unique benefits they offer. Their telehealth service, for example, enables beneficiaries to receive care from a certified doctor via secure video visits. This not only increases access to healthcare but also offers convenience.

In addition, Humana’s offering Medicare Advantage plans provide an over-the-counter drug benefit. This allows members to save on OTC products such as vitamins, pain relievers, and cough medicine. The specific benefit amount varies depending on the plan.

Enrollment and Eligibility Criteria

To fully benefit from what Humana’s Medicare Advantage plans, offer, comprehending the enrollment and eligibility criteria is a prerequisite.

To be eligible for Humana’s Medicare Advantage plans, individuals must be 65 years old or older. Those under 65 may qualify if they have a disability or end-stage renal disease.

There are also designated enrollment periods for Humana’s Medicare Advantage plans, which include:

  • The Initial Coverage Election Period (ICEP)


  • The Open Enrollment Period (October 15 – December 7)


  • The Medicare Advantage open enrollment period (January 1 – March 31)


Who Can Enroll?

Humana Medicare Advantage Plans Virginia 2025, Enrollment and Eligibility Criteria

Eligibility for enrollment in Humana’s Medicare Advantage Plans is determined primarily by age and, in some cases, disability. Individuals must be 65 years old, although those under 65 may qualify if they meet the criteria for disability.

Interestingly, even non-US citizens are eligible to enroll in Humana’s Medicare Advantage Plans provided they satisfy specific eligibility requirements, such as being a legal permanent resident (green card holder) or being married to a US citizen.


Enrollment Periods

The timing of your enrollment in a Medicare Advantage plan is also crucial. The Annual Election Period (AEP) runs from October 15 to December 7, during which you can:

  • Transition from one Humana Medicare Advantage Plan to another


  • Join a Medicare Advantage plan


  • Switch from Original Medicare to a Medicare Advantage plan


  • Change Medicare health and drug plans


If you experience certain life changes, such as changes in residence, loss of employer coverage, or eligibility for Medicaid, you may qualify for a Special Enrollment Period (SEP).

The initial enrollment period for Medicare Advantage plans offered by Humana spans 7 months.

How to Choose the Right Humana Plan for You


Humana Medicare Advantage Plans Virginia 2025, How to Choose the Right Humana Plan for You


The decision to choose the right Medicare Advantage plan should be personal, reflecting your healthcare needs and budget.

When evaluating personal healthcare needs for a Humana Medicare Advantage plan, consider:

  • Evaluating your current health condition


  • Reviewing your healthcare usage


  • Considering your prescription drug needs


  • Considering your preferred network


  • Evaluating any additional benefits.


In addition, you can utilize the comparison tools available on the Humana website to assess benefits, costs, and coverage options.

Furthermore, you can also utilize the comparison tool to compare Humana plans with other available options.

Among the factors to consider when selecting a Medicare Advantage plan are the costs, doctor and hospital network, prescription drug coverage, dental coverage, and any additional benefits that hold significance for you.


Assessing Your Healthcare Needs

The state of your current health significantly influences the choice of the right Medicare Advantage plan for you, especially in states like MD, ME, MI, MN.

If you have a chronic illness, for instance, you may want to consider a Chronic Condition Special Needs Plan (C-SNP), which offers specialized care and support tailored to your needs.

Your lifestyle also influences the type of plan you need. If you lead a healthy lifestyle with minimal medical requirements, you might consider a plan with lower premiums and higher out-of-pocket costs.

On the other hand, if you regularly take prescription drugs, it’s crucial to choose a plan that offers cost-effective and suitable coverage for your medications and health services.


Comparing Costs and Coverage

To make an informed decision, a comparison of costs and coverage among different Medicare Advantage plans is indispensable. With a range of coverage options, including HMO, PPO, and PFFS plans, Humana offers plans that cover various services, including:

  • Doctor visits


  • Prescription drugs


  • Dental services


  • Vision services


  • Hearing services


When comparing costs, it’s crucial to consider both the monthly premium and the maximum out-of-pocket cost. Furthermore, you should assess the benefits and costs of each plan, as the maximum out-of-pocket expenses can significantly impact on your healthcare and financial requirements.


In conclusion, Humana’s Medicare Advantage offerings for 2025 provide robust coverage options specifically designed to cater to your unique health needs.

From comprehensive coverage and high CMS ratings to extra perks and cost-saving opportunities, Humana’s plans stand as a testament to their commitment to putting your best health first.

So, whether you’re new to Medicare or looking to switch plans, Humana’s Medicare Advantage plans are worth considering.


Frequently Asked Questions


  What is new in Humana in 2025?

In 2025, Humana’s Medicare Advantage plans now include dental, vision, and hearing benefits, providing enhanced coverage options for individuals.


  What is the best Medicare Advantage plan for 2025?

The best Medicare Advantage plan for 2025 is with UnitedHealthcare, which offers a good balance between quality coverage, affordable costs, the largest provider network, and additional benefits.

Humana is also highlighted as one of the best overall Medicare Advantage plan companies for 2025.


→  What is the Humana over the counter allowance for 2025?

In 2025, Humana offers a $100 quarterly allowance for purchasing approved over-the-counter 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 a limited choice of doctors and medical offices, as well as higher costs for complex medical needs.

Therefore, these plans are more suitable for individuals with less expensive medical requirements.


 What types of Medicare Advantage plans does Humana offer in Virginia for 2025?

Humana offers 147 distinct Medicare Advantage plans in Virginia for 2025, including Medicare Advantage HMO and PPO plans.

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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.