Humana Medicare Advantage Plans 2025

Humana once again provides several choices, with a variety of benefits and options to meet many people’s needs. You can choose from a variety of plans like Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Special Needs plans (SNPs), and Private Fee-for-Service (PFFS), ensuring you find the right plan for your health and wellness needs.
This guide will walk you through the details of Humana’s Medicare Advantage plans for 2025. We’ll cover the benefits, costs, how to sign up, and the available support for those enrolled.

Key Takeaways



  • Expert assistance is available to help you select the best plan for your individual needs.

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Medicare Advantage Plans for 2025 - Compare & Enroll Here!

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Humana Medicare Advantage Plans 2024

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Top Medicare Advantage Providers in 2025

In 2025, Humana continues its commitment to offering a broad spectrum of Medicare Advantage plans, such as HMO, PPO, SNP, and PFFS, addressing the varied needs and preferences of those with Medicare. With approximately 3,959 Medicare Advantage plans available for personal enrollment, Humana provides services to Medicare beneficiaries across the country.

Other popular companies for 2025 will include United Healthcare as well as Aetna. These plans may include extensive benefits beyond what Original Medicare covers, like dental, vision, and hearing aid benefits, along with a variety of wellness, clinical, and fitness programs.

Humana’s dedication to delivering a high-quality customer experience has led it to be ranked number one among health insurers for three years in a row.

As a leading Medicare Advantage insurance provider on a national scale, Humana’s key focuses include:

  • Healthcare for retirees


  • Holistic health and wellness


  • Catering to people from all walks of life, including those with disabilities


  • Serving individuals regardless of gender or sexual orientation.

Comparing Humana’s 2025 Medicare Advantage Plans

For 2025, Humana’s Medicare Advantage plans are available in four main categories:

  • HMO (Health Maintenance Organization): This plan has a more restricted network of healthcare providers compared to PPO and PFFS plans, which offer greater flexibility.


  • PPO (Preferred Provider Organization): This plan allows for more flexibility in selecting healthcare providers compared to HMO plans.


  • PFFS (Private Fee-for-Service): Similar to PPO, this plan also provides more flexibility than HMO plans in choosing healthcare providers.


  • SNPs (Special Needs Plans): These are specialized plans designed for individuals with specific conditions.


Each type of plan has its own set of features regarding network limitations, cost-sharing options, and benefits. In the following sections, we’ll delve into the distinct characteristics of each plan type and how they influence your healthcare experience.

4 types of Advantage plans
humana medicare advantage HMO plans

Humana’s Medicare HMO Plans for 2025

The HMO (Health Maintenance Organization) plans from Humana are characterized by:


A significant limitation of HMO plans is the network restriction, which can be especially challenging for those in rural areas to find accessible healthcare providers.

However, Humana’s 2025 HMO plans come with notable benefits, such as comprehensive dental, vision, and hearing coverage, enhanced dental benefits, and a possible limit on yearly out-of-pocket expenses, including for hearing services.

To locate in-network providers for Humana’s 2025 HMO plans, beneficiaries can use their online searchable directory.

Humana Medicare advantage PPO plans for 2025

Humana Medicare PPO Plans 2025

PPO (Preferred Provider Organization) plans offer more flexibility than HMO plans, as they allow members to visit out-of-network providers, albeit at a higher cost.

Humana’s PPO Medicare Advantage plans have a cost-sharing structure that includes copayments for both services and prescription drugs. The specific amounts vary based on the plan and the services used.

For instance, in the Humana Group Medicare Advantage PPO plan:

  • The annual deductible for services is $0.
  • Visits to primary care physicians come at no extra cost.
  • There’s a $5 copayment for Tier 1 prescription drugs at Humana’s network of participating retail pharmacies.


When weighing Medicare Advantage HMO versus PPO options, it’s crucial to consider the differences in flexibility and cost-sharing structures.

For those enrolling in Humana’s PPO Medicare Advantage plans in 2025, the expected out-of-pocket costs include: A monthly Medicare Part B premium (in 2024, this was $174.70/month). Any applicable copayments and coinsurance.

These plans also come with an annual cap on out-of-pocket expenses, offering financial protection to the beneficiaries.

Humana Private fee for service 2025 plans

Humana’s Medicare PFFS Plans 2025

PFFS (Private Fee-for-Service) plans are the most flexible of Humana’s Medicare Advantage offerings. These plans allow members to:

  • Choose any Medicare-approved provider who agrees to the plan’s terms and conditions.


  • Know in advance how much they’ll pay the providers and how much they need to pay for services themselves.


  • Include prescription drug coverage and emergency care coverage, both within and outside the U.S.


For healthcare services under a PFFS plan, beneficiaries can visit any Medicare-approved doctor, as long as the doctor accepts Humana’s PFFS terms of service and payment conditions, as well as Medicare’s terms.

While this flexibility is a significant advantage, beneficiaries need to verify that their chosen healthcare provider accepts the terms and conditions of the PFFS plan before receiving services.

humana SNP plans

Humana Medicare Special Needs Plans 2025

Special Needs Plans (SNPs) from Humana are a distinct kind of Medicare Advantage plan that combines all the benefits of Original Medicare (Parts A and B) with prescription drug coverage (Part D). These plans are particularly crafted for individuals who either have specific qualifying conditions or are eligible for both Medicare and Medicaid.

Types of Special Needs Plans:

  • Chronic Condition Special Needs Plans (C-SNPs): These plans are designed to cater to individuals with chronic health conditions such as diabetes, cardiovascular disorders, chronic heart failure, chronic lung disorders, and other qualifying conditions. C-SNPs focus on providing specialized care tailored to these specific health issues.
  • Dual-Eligible Special Needs Plans (D-SNPs): Aimed at individuals who qualify for both Medicare and Medicaid, D-SNPs allow you to combine all your Medicare and Medicaid benefits into one streamlined plan. This makes managing your healthcare more straightforward and efficient.

2025 Premiums and Cost-Sharing: What to Expect

In 2025, many of Humana’s Medicare Advantage plans are set to be quite budget-friendly, with no extra monthly premium required for the majority of them. This makes them a viable option for numerous beneficiaries.

The cost-sharing structure, which includes costs for services and prescription drugs, varies among different plans.

For instance, the Humana Group Medicare Advantage PPO plan offers a $0 annual deductible for services and just a $5 copayment for Tier 1 prescription drugs at preferred pharmacies within Humana’s network.

It’s anticipated that nearly 99% of beneficiaries will have the option to choose a Medicare Advantage plan with prescription drug coverage (MA-PD) without an additional monthly premium in 2025.

Considering the average monthly plan premium for Medicare Advantage enrollees is expected to be around $18.50 in 2025, Humana’s Medicare Advantage plans are positioned as an economical choice for many Medicare beneficiaries.

Possible Additional Benefits Offered by Humana

Humana’s Medicare Advantage plans often come with added perks that increase the overall value of these plans. These extra benefits typically include:


  • Vision coverage, which may include eye exams and glasses.


  • Hearing coverage, potentially covering hearing aids and related services. Access to fitness services, possibly including gym memberships or wellness programs.


  • Telehealth services, provide convenient access to healthcare professionals remotely.



Variation in Dental Coverage and Additional Benefits from Humana

The range of dental coverage in Humana’s Medicare Advantage plans can vary, and most plans have a yearly limit on the amount they cover for dental services.

Apart from these extra benefits, Humana’s Medicare Advantage plans also incorporate telehealth services. This feature allows beneficiaries to conveniently access healthcare providers remotely and benefit from telemonitoring services.

These added perks not only enhance the healthcare experience for Medicare beneficiaries but also contribute significantly to their overall well-being.

Medicare Advantage Plan Enrollment Period 2025

The process to enroll in Humana’s Medicare Advantage plans for 2025 varies based on your specific circumstances. Some distinct deadlines and requirements apply to new members, current members, and those who are retiring.

In the upcoming sections, we’ll provide a comprehensive breakdown of the enrollment process.

This will include key dates and steps for each category of members, ensuring a smooth transition to your selected Medicare Advantage plan.

Leveraging these resources can help beneficiaries comprehend their coverage options, including Medicaid services, and make an optimal choice for their healthcare requirements.

Enrollment for New Members in Humana's Medicare Advantage Plans for 2025

New members interested in Humana’s Medicare Advantage plans can sign up during the Annual Election Period (AEP), which runs from October 15 to December 7, 2024. Coverage will then start on January 1, 2025.

Here’s a step-by-step guide for new members to enroll:


  • Verify Eligibility: Typically, eligibility requires being 65 years old or older, or receiving Social Security Disability Insurance (SSDI) benefits for 24 months. Ensure that factors like national origin, age, and disability status do not hinder enrollment.


  • Explore Plans: Look into the Medicare Advantage plans available in your area.


  • Assess Plan Options: Compare the benefits, costs, and network coverage of different plans.


  • Select the Appropriate Plan: Choose the plan that best suits your healthcare needs.


Enrollment for Existing Members in Humana’s Medicare Advantage Plans

If you’re already a member of a Humana Medicare Advantage plan, you can make changes to your plan during two key periods:

  • Annual Election Period (AEP): From October 15 to December 7, 2024.


  • Medicare Advantage Open Enrollment Period (OEP): From January 1 to March 31, 2025.


During these periods, existing members can review and compare different Medicare Advantage plans, adjusting their coverage as needed.

To change your plan:

  • Review and compare the options, focusing on benefits, costs, and network coverage.


  • Choose a new plan and switch by contacting Humana online, by phone, or in person during AEP or OEP.


  • Note that the availability of plans and benefits may vary by location.


Understanding Coverage Variations in Rural and Urban Areas

medicare advantage plan areas

Enrollment for Retiring Members

If you’re retiring, it’s important to enroll in a Humana Medicare Advantage plan within the first three months of your Medicare eligibility for timely coverage. Retiring members who are at least 65 years old and enrolled in Medicare Parts A and B can sign up for a new plan during the fall 2024 annual enrollment period, starting October 23, for coverage effective January 1, 2025.

For retiring members to enroll:

  • Confirm your eligibility for Medicare.
  • Research the available Humana plans in your area.
  • Select the plan that best meets your needs.
  • Enroll by contacting us during the fall 2024 annual enrollment period, either online, by phone, or in person. 1-833-641-4938
  • Coordinate with any other insurance, like employer-sponsored retiree health benefits, for a smooth transition to your new Medicare Advantage plan.


Once you’ve chosen a plan, you can enroll during the AEP by reaching out to Humana through their online platform, over the phone, or in person.

After enrolling, new members should:

  • Choose a primary care physician (PCP) within Humana’s network.
  • Coordinate with any other insurance coverage they have, like employer-sponsored retiree health benefits, to ensure a smooth transition to their new Medicare Advantage plan.


Humana’s Medicare Advantage plans present different coverage options depending on whether you are in a rural or urban area. Generally, urban locations offer a wider array of plan choices and provider networks.
Key differences in coverage between rural and urban areas can include:
  • The number of in-network providers available.
  • Access to specialized healthcare services.
  • The availability and proximity of healthcare facilities.
It’s crucial to carefully review the specific plan details and coverage options Humana provides for both rural and urban settings to understand how these differences might affect you.
In rural areas, while Humana does offer Medicare Advantage plans, the variety of options might be more limited compared to urban areas. This can impact the range of network providers, access to specialized care, and the availability of local healthcare facilities.
When choosing a plan, thorough research is essential. Consider factors like the network of providers, access to specialized care, and healthcare facilities in your area.
Navigating the Medicare Advantage market can be complex, especially with these geographic variations, so it’s important to consider all your options thoroughly to find a plan that best fits your needs and location.

Support and Resources for Humana Customers

Humana offers a range of customer support and resources, including in-home support services, to aid beneficiaries in understanding and selecting their Medicare Advantage plan options.
This support encompasses:
  • Phone assistance for direct guidance and answers.
  • Online resources for easy access to information.
  • Member support services to address individual needs and queries.
Besides direct customer support, Humana also provides various online tools and educational materials to help beneficiaries make well-informed decisions regarding their healthcare coverage:
  • A dedicated webpage that explains the basics of Medicare.
  • A member portal equipped with tools and documents for easy plan management.
  • Specific informational materials aimed at healthcare providers regarding Medicare Advantage plans.
Using these resources, beneficiaries can gain a clearer understanding of their coverage options, including Medicaid services, enabling them to make the best decision for their healthcare needs.



Humana’s 2024 Medicare Advantage plans offer a diverse array of options, designed to meet the varying needs, preferences, and financial considerations of Medicare beneficiaries.
These plans include HMO, PPO, PFFS, and SNP options, allowing beneficiaries to choose a plan that strikes the ideal balance between cost and flexibility.
The addition of extra benefits like dental, vision, hearing, fitness, and telehealth services further enhances the attractiveness and utility of these plans.
Understanding the enrollment process, recognizing the differences in coverage between rural and urban areas, and taking advantage of the customer support and resources Humana provides are key steps.
By doing so, beneficiaries can make well-informed decisions and obtain the healthcare coverage that aligns best with their individual requirements.

Frequently Asked Questions

What’s New for Humana in 2025?

In 2025, Humana is expected to introduce several new benefits to its Medicare Advantage plans. These enhancements include:
Coverage for dental, vision, and hearing.
A Medicare Part B premium giveback feature.
Plans with $0 monthly premiums.
Additionally, Humana Customer Care specialists are dedicated to better meeting customer needs.

What will the Medicare Premiums be in 2025?

The standard Medicare Part B premium will likely change in 2025 but isn’t released until the Fall of 2024. Keep checking back for more information.

What are any Disadvantages of Medicare Advantage Plans?

A significant drawback of Medicare Advantage plans can be the limitation in network choices compared to Original Medicare, based on which area you reside in. This can mean fewer options for doctors and hospitals, with some networks being quite restrictive. Also, out-of-pocket costs may be higher in some cases, and plan details can change annually.

What are the Main Types of Humana Medicare Advantage Plans in 2025?

Humana is offering four primary types of Medicare Advantage plans in 2025: Health Maintenance Organization (HMO) Preferred Provider Organization (PPO) Private Fee-for-Service (PFFS) Special Needs Plans (SNP)

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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.