Humana Medicare Benefits 2025
Discover the updated Humana Medicare benefits for 2025, tailored to meet your healthcare needs. Focus on the essentials: new plan features, potential cost changes, and straightforward enrollment information.
This will allow readers to swiftly compare options and make informed decisions about Humana Medicare benefits 2025 coverage.
Key Takeaways
- Humana offers an extensive range of Medicare Advantage plans in 2025, including HMO, PPO, PFFS, and SNPs, with enhanced prescription drug coverage as well as dental, vision, and hearing benefits.
- The average monthly premium for Humana Medicare Advantage plans in 2025 is $18.50, with various out-of-pocket expenses such as deductibles, copays, and coinsurance, dependent on plan details.
- Enrollment in Humana Medicare Advantage plans requires meeting eligibility criteria, with enrollment periods including the Annual Enrollment Period (October 15th to December 7th) and Special Enrollment Periods for qualifying events.
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Understanding the 2025 Humana Medicare Advantage Plans
Humana’s Medicare Advantage plans are available in 49 states, Washington, D.C., and Puerto Rico, providing extensive coverage in 94% of U.S. counties. The design of these plans is meticulously crafted to cater to the diverse preferences and requirements of Medicare-eligible consumers.
With three plan options available in 2025, over 5.5 million Medicare beneficiaries who have already chosen Humana can attest to its commitment to providing high-quality healthcare regardless of one’s color, national origin, age, disability, sex, or marital status.
Range of Plans Offered
Humana Medicare Advantage plans come in a variety of forms, including Medicare Advantage HMO PPO options:
- HMO: requires selecting a primary care physician and obtaining referrals for specialist care
- PPO: gives greater flexibility in choosing healthcare providers
- PFFS: allows visiting any Medicare-approved healthcare provider who accepts the plan’s terms
- SNPs: specialized plans for individuals with specific health conditions or needs, offering additional benefits like prescription drug coverage and wellness programs.
In 2025, Humana extended its HMO offerings to 140 new counties and introduced PPO plans in 80 new ones, ensuring an even wider reach.
Enhanced Prescription Drug Coverage
Humana Medicare Advantage plans have made significant enhancements to their prescription drug coverage for 2025, including dental, vision, and hearing coverage.
The expansion of the drug means a greater number of commonly used tier 1 prescriptions are now covered, giving Medicare Advantage members a wider range of medication options.
Optimizing this coverage requires understanding the tier of your prescription drugs and acquainting yourself with any coverage regulations.
Additional Benefits and Services
Beyond prescription drug coverage, Humana Medicare Advantage plans offer several additional benefits and services. These include dental and vision coverage, global emergency care, and fitness benefits offered through programs like Silver Sneakers.
The dental coverage includes annual exams, twice-yearly cleanings, and dental X-rays every five years. Vision benefits include annual eye exams, eyeglass frames with prescription lenses, and prescription contact lenses. The plans also cover hearing aids, making them more accessible to those with hearing impairments.
Your Costs with Humana Medicare Advantage in 2025
Grasping the costs linked to your Humana Medicare Advantage plan plays a significant role in effective financial planning. These costs include:
- Premiums
- Deductibles
- Copays
- Coinsurance
The projected average premium for Humana Medicare Advantage plans in 2025 is $18.50 per month. To compare these costs with other Medicare Advantage plans, you can use the Medicare plan finder tool.
Understanding Your Premiums
Approximately 63% of Humana’s Medicare Advantage plans boast a premium of $0, positioning it as an affordable healthcare choice for eligible parties. Nonetheless, bear in mind that premium costs, including the Medicare Part B premium, could vary annually.
You can use Humana’s tools or the Medicare plan finder to assess these costs and compare them to previous years.
Out-of-Pocket Expenses
Humana Medicare Advantage plans include costs like copays and coinsurance, with some services having the same copay. These costs will vary depending on the specific plan and services used.
To understand the specific amounts, refer to your plan details or contact Humana directly for detailed information on these costs.
Remember, seeking care from an out-of-network provider may lead to increased out-of-pocket expenses.
Special Considerations for Diverse Needs
Humana recognizes the diverse needs of its members and offers tailored plan options like the Humana USAA Honor Plans and Dual Eligible Special Needs Plans (D-SNPs). These plans cater to specific groups, ensuring that every member receives the care they need.
Humana USAA Honor Plans
The Humana USAA Honor plans are specifically designed to complement benefits for individuals with military or veteran status, providing a comprehensive healthcare solution for those who have served in the military and their spouses. These plans include benefits like:
- A $0 monthly premium
- Help with Part B reduction
- Dental coverage
- A yearly allowance for non-Medicare covered preventive and comprehensive dental services up to $2,000.
Dual Eligible Special Needs Plans (D-SNPs)
Humana’s Dual Eligible Special Needs Plans (D-SNPs) are specifically designed for individuals who qualify for both Medicare and Medicaid, including those enrolled in a state Medicaid program.
These plans provide distinct advantages such as prescription drug coverage, a Healthy Rewards program, and the coordination of Medicare and Medicaid benefits.
The coverage of D-SNPs has been extended to 116 new counties for 2025, expanding the accessibility of these plans.
Comparing Humana to Other Medicare Providers
Grasping Humana’s comparison to other Medicare providers aids in making a knowledgeable decision. Humana’s NCQA scores range from 2.5 to 4.0, consistent with the overall NCQA score range for major Medicare providers.
However, the specific comparative data on plan availability and network size for Humana versus other Medicare providers is not provided, making it difficult to conduct a detailed comparison in this regard.
Plan Availability and Network Size
With Humana Medicare Advantage plans being accessible in 49 states, Washington, D.C., and Puerto Rico in 2025, the plan availability is extensive.
There is no notable contrast in accessibility between rural and urban areas, making Humana a reliable choice for individuals across various geographies.
Ratings and Reviews
Humana Medicare Advantage Plans have received the following ratings:
- Overall rating of 4.34 stars from Medicare in 2025
- Positive evaluation from Forbes Health experts for their costs, key features, and benefits
- High rating of 4 stars from Consumer Affairs
Humana’s commitment to customer satisfaction has also secured it the top position as the Medicare Advantage plan with the highest customer satisfaction in Florida in 2023.
Accessing Humana Medicare Advantage Services
Procuring healthcare services and prescription medications through your Humana plan offers a simple process.
By visiting the Humana website or using the provider search tool, you can conveniently identify in-network doctors or healthcare providers and schedule appointments.
For prescriptions, enroll in a Medicare Advantage prescription drug plan (MAPD) and use Humana’s Pharmacy Finder tool to identify in-network lower-cost preferred pharmacies with an Rx plan.
In-Network Healthcare Services
Using in-network providers can significantly reduce your healthcare costs. These providers, which include doctors, hospitals, and specialists, have a contractual agreement with Humana to deliver services at mutually agreed-upon rates.
It’s crucial to understand the difference between in-network and out-of-network providers, as seeking care from an out-of-network provider can lead to increased out-of-pocket expenses.
Getting Your Prescriptions
Getting your prescriptions filled is easy with Humana’s extensive pharmacy network and mail-order service. After your healthcare provider sends a prescription order to CenterWell Pharmacy, your medications will be dispatched directly to your residence.
The expected delivery timeframe for new prescriptions or medication transfers is within 7 to 10 days after Humana receives the prescription, and for prescription refills, it’s 5 to 7 days after Humana receives the refill request.
Navigating the Enrollment Process
Enrolling in a Humana Medicare Advantage plan entails comprehending the eligibility criteria and maintaining awareness of enrollment periods and deadlines. Generally, to qualify for these plans, individuals must meet the eligibility criteria for both Medicare and Medicaid.
The annual open enrollment period, when you can switch from Original Medicare to Medicare Advantage or change to a different Medicare Advantage plan, runs from October 15th to December 7th.
If you miss this period, you can utilize the Special Enrollment Periods (SEPs) to make changes to your plan.
Eligibility Criteria
To qualify for a Humana Medicare Advantage plan, you must be enrolled in Medicare Part A and Part B. These plans are accessible to individuals who are 65 years or older, or those under 65 who are eligible through disability or end-stage renal disease, without any discrimination based on national origin age disability.
There is no requirement for US citizenship or race color national origin to enroll in a Humana Medicare Advantage plan.
Enrollment Periods and Deadlines
The Annual Enrollment Period for Humana Medicare Advantage Plans takes place annually from October 15th to December 7th. In addition to this, there is the Medicare Advantage Open Enrollment Period, which runs from January 1 to March 31.
This period allows individuals to transition to a different Medicare Advantage plan or revert to Original Medicare by dropping their existing plan.
If you miss these periods, you can utilize the Special Enrollment Period (SEP) to enroll in or make changes to your Humana Medicare Advantage Plan outside of the Initial Coverage Election Period (ICEP).
Maximizing Your Humana Plan Benefits
To fully reap the benefits of your Humana Medicare Advantage plan, take full advantage of all its offerings, which include hospital, medical, and prescription drug coverage. It’s also important to explore potential cost savings and additional services that are available as part of your plan.
Wellness and Preventive Services
Preventive care and wellness programs are a key part of Humana Medicare Advantage plans. By using these services, you can maintain your health and prevent future medical expenses. These preventive services include exams and cleanings at no additional cost.
Personalized prevention plans, educational resources, and value-based health care are also available to help detect and address health risks early, promote healthy habits, and prevent chronic illnesses.
Extra Support Programs
Humana provides various additional support programs within their Medicare Advantage plans. These include:
- Potential prescription savings
- A Healthy Options Allowance
- Eligibility for Extra Help with payments for prescription drug plans, deductibles, and copayments
- Special Needs Plans designed for individuals with chronic conditions or those eligible for both Medicare and Medicaid
While certain programs may entail expenses like deductibles, copayments, and premiums, assistance programs like Extra Help are available to help with these payments.
Summary
In conclusion, Humana Medicare Advantage plans offer comprehensive healthcare solutions that cater to the unique needs of each member. With a variety of plan types, enhanced prescription drug coverage, and a range of additional benefits and services, these plans provide valuable coverage that goes beyond what Original Medicare offers.
By understanding the costs associated with these plans, utilizing in-network services, and maximizing the benefits, members can ensure they get the most out of their plans. Whether you’re a veteran, eligible for both Medicare and Medicaid or simply looking for a plan that offers comprehensive healthcare coverage, Humana has a plan for you.
Frequently Asked Questions
→ What is new in Humana in 2025?
In 2025, all Humana USAA Honor plans to offer a $0 monthly plan premium, Part B giveback, and dental, vision, and hearing coverage, alongside Veterans Affairs health care.
You can also benefit from access to Humana Customer Care specialists who received special training to better serve. Additionally, all Humana Medicare Advantage plans now offer dental, vision, and hearing benefits.
→ What are the changes to Medicare in 2025?
In 2025, the Medicare Part B premium is $174.70 per month, and the annual deductible will be $240.
There will also be changes in drug cost sharing for Medicare beneficiaries.
→ What is the Humana over-the-counter allowance for 2025?
In 2025, Humana offers a $100 quarterly allowance for over-the-counter health and wellness products through their OTC mail order provider, with unused amounts expiring at the end of the quarter.
→ What types of Humana Medicare Advantage plans are available?
Humana offers a variety of Medicare Advantage plans, including HMO, PPO, PFFS, and SNPs, tailored to meet diverse healthcare needs.
→ How much does it cost to enroll in a Humana Medicare Advantage plan?
The cost of enrolling in a Humana Medicare Advantage plan varies.
The projected average premium for 2025 is $18.50 per month, but about 63% of Humana’s Medicare Advantage plans have a $0 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.