Is Humana Better Than Medicare?

When pondering ‘is Humana better than Medicare,’ what you need is a straightforward comparison that cuts through the noise.

Here, you’ll find an honest breakdown of how Humana’s Medicare Advantage plans stack up against Original Medicare — covering essentials like costs, benefits, and provider options.

We’re here to help you sift through the fine print so you can navigate your healthcare choices with confidence.


Key Takeaways

  • Humana offers Medicare Advantage plans which provide additional benefits like prescription drug coverage and dental, vision, and hearing services, not typically included in Original Medicare.


  • Humana Medicare Advantage plans in 2025 can have more restricted networks of providers, but they also offer plan options that allow for more flexibility in choosing healthcare providers, compared to Original Medicare.


  • When choosing between Humana Medicare Advantage and Original Medicare, factors such as cost differences, coverage scope, provider networks, and individual healthcare needs must be considered for an informed decision.

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Understanding Humana and Medicare


Is Humana Better Than Medicare?, Understanding Humana and Medicare


Navigating the world of healthcare can be daunting, with a multitude of plans, providers, and terms to digest. However, understanding the basics of Humana and Medicare can provide a solid foundation for making informed healthcare decisions.

Humana and Medicare, although seemingly similar, are distinct entities with unique offerings in the healthcare landscape. Understanding these nuances can significantly impact healthcare coverage choices and, ultimately, health outcomes.

Humana, a leading health insurance company, provides Medicare Advantage plans with benefits that go beyond what Original Medicare offers.

On the other hand, Medicare, a federal health insurance program, caters primarily to seniors and certain disabled individuals, offering a range of coverage options through Original Medicare and Medicare Advantage plans.

Grasping the differences between Humana and Medicare can guide you in making informed decisions about your healthcare coverage.


What is Humana?

Humana, headquartered in Louisville, Kentucky, is:

  • the fifth-largest health insurance provider in the United States


  • renowned for its extensive portfolio of insurance products



Humana’s Medicare Advantage plans are accessible in 94% of U.S. counties, reflecting a wide geographic coverage.

For the 2024 plan year, Humana has introduced local PPO plans in 80 new counties and expanded D-SNPs into 116 new counties, reinforcing its commitment to providing equal access to its plans.

With more than 5.5 million Medicare beneficiaries enrolled in a Humana Medicare Advantage plan, Humana saw an increase of 561,000 new Medicare Advantage members for the 2023 plan year.


What is Medicare?

Medicare, a federal health insurance program designed for seniors and certain disabled individuals, offers two main types of coverage: Original Medicare and Medicare Advantage plans.

Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance) with its associated Medicare Part B premium, is accessible to all eligible individuals, irrespective of origin, age, disability, or sex.

Medicare Advantage plans, on the other hand, are offered by private insurance companies that have a Medicare contract to provide coverage.

Medicare Advantage plans, including Medicare Advantage HMO, serve as an alternative to Original Medicare, offering a broader range of benefits.

Administered by private insurance companies like Humana, these plans offer supplementary benefits beyond Original Medicare and Medicaid services, including Medicare supplement insurance benefits such as:

  • Prescription drug coverage



  • Reduced out-of-pocket expenses


  • Additional services such as gym memberships or telehealth.


The funding for Medicare primarily comes through general revenues (46%), payroll tax revenues (34%), and premiums paid by Medicare beneficiaries.

Comparing Humana Medicare Advantage and Original Medicare


Is Humana Better Than Medicare?, Comparing Humana Medicare Advantage and Original Medicare


A comparison between Humana Medicare Advantage and Original Medicare can provide a more profound understanding of their key differences and similarities.

These can range from variations in coverage and provider networks to cost differences, all of which can significantly impact an individual’s healthcare experience.

Comprehending these differences can assist in making well-informed decisions about healthcare coverage. For instance, while some may prefer the additional benefits offered by Humana Medicare Advantage, others might opt for the familiar coverage of Original Medicare.

The choice ultimately depends on individual healthcare needs, personal preferences, and financial considerations.


Coverage Differences


Is Humana Better Than Medicare?, Coverage Differences


One of the main differences between Humana Medicare Advantage and Original Medicare lies in the scope of coverage. While Original Medicare provides broad coverage for a variety of healthcare services and supplies, Humana Medicare Advantage often goes a step further.

Approximately 58% of Humana’s Medicare Advantage plans provide immediate coverage for prescription drugs, without a drug deductible. Furthermore, these plans often include additional benefits such as dental, vision, and hearing care, which are not provided by Original Medicare.

Some Humana plans even provide allowances for qualified groceries, over-the-counter products, utilities, and rent, offering a holistic approach to healthcare that goes beyond traditional medical coverage.


Provider Networks

Another key difference between Humana Medicare Advantage and Original Medicare lies in their provider networks.

While Original Medicare allows beneficiaries to see any doctor or hospital that accepts Medicare, Humana Medicare Advantage plans may have a more restricted provider network.

Humana Medicare Advantage plans consist of family doctors or primary care physicians (PCP) within the network, offering a more cost-effective option compared to seeing doctors outside the network. However, Humana offers alternatives such as PFFS plans, which allow collaboration with any Medicare-approved provider who consents to the plan terms.

This flexibility can be advantageous for individuals who prefer having a choice in their healthcare providers.

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Analyzing Cost Differences

Cost is a significant consideration when choosing a healthcare plan. The costs of Humana Medicare Advantage plans are influenced by the chosen plan, the beneficiary’s geographic location, and their unique health needs.

The costs of Humana Medicare Advantage plans can vary by location, and understanding the Humana medicare advantage cost is essential for making an informed decision. In certain areas, plans with $0 monthly premiums are available.

However, one must also consider additional out-of-pocket expenses like copays, coinsurance, and deductibles. A plan with a lower monthly premium often entails higher out-of-pocket expenses for doctor visits, presenting a significant trade-off to weigh when choosing a plan.


Quality of Care and Customer Satisfaction

Is Humana Better Than Medicare?, Quality of Care and Customer Satisfaction

When it comes to healthcare, quality of care and customer satisfaction are paramount. Humana Medicare Advantage plans generally receive high ratings for quality of care and customer satisfaction, but individual experiences may vary.

The Humana Medicare star ratings serve as an assessment of the quality of care and customer satisfaction provided by Humana’s Medicare Advantage plans. The average rating for 2024 stands at 4.34 stars.

Furthermore, Humana Medicare Advantage plans received a favorable ranking in the 2023 U.S. Medicare Advantage Study conducted by J.D. Power, indicating a high level of customer satisfaction.

However, potential enrollees should always research and review their options thoroughly to ensure the plan they choose aligns with their healthcare needs and expectations.

Plan Types and Flexibility


Is Humana Better Than Medicare?, Plan Types and Flexibility


Humana presents a variety of Medicare Advantage plan types, catering to diverse healthcare needs and preferences. The predominant plan types for Humana Medicare Advantage plans are HMOs and PPOs.

Humana offers a variety of plan types, including the Humana Plan options such as:

  • HMO plans, require members to seek medical care solely from in-network providers to avail of coverage


  • PPO plans, which offer partial coverage for out-of-network care, typically at increased health care costs


  • Specialized plans such as the Humana USAA Honor with Rx plan, specifically tailored for U.S. military veterans


  • Contract renewal options to ensure continuous coverage and adapt to changing needs


This diversity in plan types ensures that every individual can find a plan that suits their specific healthcare needs.


Extra Benefits and Perks


Is Humana Better Than Medicare?, Extra Benefits and Perks


One of the key advantages of Humana Medicare Advantage plans over Original Medicare is the range of extra benefits and perks they offer. All Humana Medicare Advantage plans encompass dental, vision, and hearing benefits, which are not encompassed by traditional Medicare.

In addition to these standard benefits, Humana Medicare Advantage plans also provide benefits such as access to the SilverSneakers fitness program and discounts on dental work and vision care.

These additional benefits can significantly enhance the healthcare experience, offering more comprehensive coverage than Original Medicare.

Accessibility and Availability

Humana Medicare Advantage plans are widely available across the US, but accessibility and availability may vary by location and plan type. Humana’s plans have a presence in 94% of U.S. counties, demonstrating an extensive coverage area for their Medicare Advantage plans.

However, the individual’s ZIP code influences the availability of specific Humana Medicare Advantage plans. Furthermore, the quality of Medicare Advantage plans and customer satisfaction may indeed vary depending on the geographical location of the individual.

Therefore, it’s vital to evaluate the plans available in your area to make a knowledgeable choice.

Making the Right Choice: Factors to Consider

Choosing between Humana Medicare Advantage and Original Medicare isn’t a one-size-fits-all decision. It requires careful consideration of several factors, including:

  • Cost


  • Coverage


  • Provider networks


  • Personal healthcare needs


When evaluating cost, don’t just focus on the monthly premium; also consider potential out-of-pocket expenses like copays, coinsurance, and deductibles.

Coverage should align with your regular medical and prescription drug needs, and the provider network should include your preferred doctors and medical providers. By considering these factors, you can decide that best meets your healthcare needs and financial situation.


In conclusion, choosing between Humana Medicare Advantage and Original Medicare involves careful consideration of several factors, including cost, coverage, provider networks, and personal healthcare needs.

While Humana Medicare Advantage plans offer a range of benefits that extend beyond the scope of Original Medicare, the decision ultimately depends on individual circumstances. Therefore, it’s crucial to research, evaluate, and compare various plans to make an informed decision about your healthcare coverage.


Frequently Asked Questions


→  What’s the difference between Medicare and Humana?

The main difference between Medicare and Humana is that Medicare is a government program, while Humana offers private Medicare Advantage plans that are contracted with Medicare.

The plans from Humana may include additional benefits not covered by Original Medicare.


  Can you have Medicare and Humana at the same time?

No, you cannot have both Medicare and Humana at the same time, as they provide different types of coverage. It’s important to compare both plans to see which option best fits your needs.


  How does Humana rate with Medicare?

Humana has earned the highest overall star rating for 2024, receiving 4.3 out of five stars, and 94% of their Medicare Advantage members are in plans rated 4 out of 5 stars or higher for 2024 by the Centers for Medicare and Medicaid.


  Where does Humana rank in healthcare?

Humana ranks highly in healthcare, with top rankings for member experience, overall plan quality, and customer treatment, as well as consistently being ranked No. 1 among health insurers for customer experience.


 What are the different types of Humana Medicare Advantage plans?

Humana offers a variety of Medicare Advantage plan types, including HMO, PPO, SNP, and PFFS to cater to different healthcare needs and preferences. Consider exploring these options to find the most suitable plan for your health coverage.

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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.