Is Humana Medicare Advantage a Good Plan?

Wondering if Humana Medicare Advantage is a good plan? This article breaks down its coverage, costs, and benefits to help you make an informed decision.

Key Takeaways

Humana offers a wide variety of Medicare Advantage plans, with a focus on customer satisfaction and additional services like dental and vision care, but faces challenges with declining quality ratings and customer service concerns.
Most Humana Medicare Advantage plans charge no monthly premium and include extra benefits; however, members may encounter high maximum out-of-pocket costs and frustration with service issues.
Humana’s plans are widely available across the U.S., yet the company’s recent exits from several states may affect access, while its offerings still appeal to veterans with tailored benefits and dedicated support.

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Evaluating Humana Medicare Advantage Plans

Choosing the right Medicare Advantage plan requires careful consideration of various factors. Humana offers many Humana plans, a staggering 793 Medicare Advantage plans, each designed to cater to different healthcare needs and preferences. Enrollment requires individuals to have Medicare Parts A and B and live within the plan’s coverage area.

Evaluating these plans involves considering customer satisfaction, product diversity, and Humana’s financial health, including plan diversity. Recent reviews show a decline in Humana’s plan quality ratings for 2026, and the company has exited underperforming counties, reducing plan exits in certain areas.

Despite these setbacks, Humana continues to focus on Medicare Advantage, Medicare Supplement, and Part D plans to enhance quality. All Humana Medicare Advantage plans are required to provide at least the same level of coverage as Original Medicare. This ensures that beneficiaries receive essential health services. Additionally, these plans often offer extra services like dental, vision, hearing, and prescription drug coverage.

The popularity of these plans is evident, with more than 65% of Humana’s Medicare members enrolled in a Medicare Advantage plan. As you explore your options, closely reviewing medicare plans, plan ratings, and provider networks will be crucial to compare Medicare Advantage plans.

Evaluating Humana Medicare Advantage Plans

Pros of Humana Medicare Advantage Plans

Humana Medicare Advantage plans come with a host of benefits that can significantly enhance your healthcare experience, including:

Enhanced drug benefits
Flexible plan types
A national reach, making them accessible to a wide audience
A focus on preventive health and chronic condition management
Many plans offer $0 premiums, making healthcare more affordable and tailored to individual needs.

Humana’s plans also include cost protections for Part D, ensuring stable Medicare Advantage pricing for members. Members can also access parts of their coverage via various options, providing more tailored healthcare solutions. These features make Humana Medicare Advantage plans a compelling option for those seeking comprehensive and flexible healthcare coverage.

Cons of Humana Medicare Advantage Plans

While Humana Medicare Advantage plans have many benefits, they are not without their drawbacks. One significant downside is that Humana’s maximum out-of-pocket costs are among the highest compared to other insurers. This can be a considerable burden for those who require frequent medical care or have chronic conditions.

Additionally, enrollees often experience service frustrations with Humana’s Medicare Advantage plans. These service issues can range from long wait times to difficulties in resolving claims.

Weighing these factors against the benefits will help determine if a Humana Medicare Advantage plan is the right choice.

Types of Humana Medicare Advantage Plans

Humana offers a diverse range of Medicare Advantage plans to suit different healthcare needs. These include:

HMO
PPO
PFFS
Special Needs Plans (SNPs)

Each type of plan comes with its own set of benefits, and the benefits vary in their requirements, providing options for various medical and financial situations.

Exploring each type in detail will help you understand their offerings and differences.

HMO Plans

Humana’s HMO plans are a popular choice among Medicare beneficiaries. These plans require members to designate a primary care physician who coordinates all healthcare services. This model benefits older adults and those needing frequent specialist visits by ensuring coordinated and comprehensive care.

Humana’s HMO plans also offer medical and health insurance, prescription drug coverage, often including additional services such as dental, hearing, and vision care. While these Humana plans offer generally lower out-of-pocket costs, they require members to use healthcare providers within the plan’s network, limiting flexibility but ensuring more predictable expenses. Additionally, these plans may cover prescription drugs.

PPO Plans

For those who prefer more flexibility, Humana’s PPO plans are an excellent option. These plans allow members to see any doctor or specialist without needing a referral, providing greater freedom in choosing healthcare providers. This can be especially beneficial for those who travel frequently or have specific healthcare needs that require seeing out-of-network services specialists, as well as those who prefer to stay in network. Additionally, a preferred provider organization can enhance the overall experience by offering a wider range of choices.

Humana’s PPO plans also include the same extra benefits as HMO plans, such as dental, vision, and hearing services. However, it’s important to note that out-of-pocket costs may be higher when using out-of-network benefits, so understanding the plan’s network and cost-sharing structure is crucial.

PFFS Plans

Humana’s PFFS plans offer a unique level of flexibility. These plans allow members to see most Medicare-approved providers without needing to designate a primary care physician or obtain referrals. This can be particularly advantageous for those who value the freedom to choose their healthcare providers, including options like HMO, PPO, and PFFS.

Most Medicare-approved doctors accept Humana’s PFFS plans, making it easier for members to access the care they need without worrying about network restrictions. However, it’s essential to verify that your preferred pharmacies accept the plan before enrolling.

Special Needs Plans (SNPs)

Humana’s Special Needs Plans (SNPs) are tailored for individuals with specific health conditions or financial situations. These plans provide customized benefits designed to meet the unique needs of their members. Humana’s Chronic Condition SNPs focus on Medicare beneficiaries and specifically target those with conditions such as:

Diabetes
Cardiovascular disorders
Chronic heart failure
Chronic lung disorders

Additionally, Humana offers Dual-Eligible SNPs for individuals who qualify for both Medicare and Medicaid services. These plans often include additional benefits like dental, vision, and hearing care, making them a comprehensive option for those with specialized healthcare needs.

Costs of Humana Medicare Advantage Plans

Understanding the costs associated with Humana Medicare Advantage plans is crucial for making an informed decision. About 57% of Humana’s Medicare Advantage plans in 2026 charge no monthly premium, making them an affordable option for many. Additionally, the deductible for many of these plans is often none, further reducing out-of-pocket expenses.

However, other costs like copays and maximum out-of-pocket expenses should also be considered. For example:

Copays for primary care visits can be as low as $0
Specialist visits may require a $30 copay
Inpatient hospital copays can range from $375 to $450
Emergency care copays vary from $115 to $130

The maximum out-of-pocket costs for some plans can reach as high as $6,800, so it’s essential to review these out of pocket limits carefully.

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Extra Benefits and Perks

One of the standout features of Humana Medicare Advantage plans is the array of extra benefits and perks they offer. Members can benefit from additional wellness services not covered by Original Medicare, such as vision, dental, and hearing care. These services can greatly enhance the plan’s overall value and improve healthcare quality.

Humana also offers the Silver&Fit Healthy Aging and Exercise Program as a fitness benefit, promoting a healthy lifestyle among its members. Other perks include an OTC allowance and enhanced dental coverage, including annual glasses. These additional benefits make Humana’s plans a comprehensive option for those looking to get the most out of their healthcare coverage.

Customer Service and Support

Customer service is a critical aspect of any healthcare plan, and Humana offers multiple avenues for support:

Phone support: Available from 8 a.m. to 8 p.m., Monday through Friday.
Online chat.
Mail.
Twitter support: Available through @HumanaHelp from 6 a.m. to 8 p.m., seven days a week.

However, Humana’s customer service has received mixed reviews. While typical telephone wait times are reportedly minimal, many members have expressed frustrations regarding the service they receive, leading to lower satisfaction ratings. Complaints often center around claims handling, prior authorizations, and network issues, impacting overall customer satisfaction.

Plan Availability Across States

Humana Medicare Advantage plans are widely available across the United States, ensuring broad access for many individuals. These plans can be found in:

48 states
Washington, D.C.
Puerto Rico. They cover around 85% of counties in the United States. This extensive availability makes Humana a viable option for many people.

However, in 2025, Humana exited states like Florida, North Carolina, Georgia, Texas, and Illinois, which may limit provider access in those areas. Despite these exits, Humana’s national footprint remains significant, providing multiple plan options across the country.

Ratings and Reviews

When it comes to ratings and reviews, Humana Medicare Advantage plans receive mixed feedback. Key ratings include:

CMS gives Humana an average star rating of 4.2 for 2025.
The average star rating for Humana Medicare Advantage plans is 3.61.
This rating is below the industry average of 3.98.

Despite this, J.D. Power’s 2025 study ranked Humana in the top tier for customer satisfaction among Medicare Advantage providers. Additionally, NCQA scores indicated significant improvements in preventive services accessibility for Humana plans.

While only a small fraction of Humana members are enrolled in plans rated 4 stars or higher, these ratings provide valuable insights into the overall quality and satisfaction of Humana’s offerings.

Comparison with Other Providers

Comparing Humana Medicare Advantage plans with other major providers like unitedhealthcare humana, Aetna, and Kaiser Permanente highlights both strengths and weaknesses. Humana’s plans are available in 89 percent of U.S. counties, indicating a strong market presence. However, customer service remains a mixed bag, with some members expressing dissatisfaction with long wait times and inconsistent support, especially during peak periods.

On the positive side, Humana offers a large network of doctors and hospitals, providing members with more options for their healthcare needs. However, the average maximum out-of-pocket expense for Humana’s plans is among the highest compared to competitors, which is a critical factor to consider when comparing plans.

Humana Medicare Advantage for Veterans

Humana offers specific Medicare Advantage plans tailored for veterans, providing unique benefits and support. One of the standout features is the veteran-specific support line, staffed with trained personnel to assist veterans in accessing their veteran status benefits. This dedicated support ensures that veterans receive the care and assistance they need.

The Humana USAA Honor Giveback plan also includes a Part B Giveback benefit, which helps reduce out-of-pocket expenses for veterans. This plan is designed to provide comprehensive coverage while addressing the unique healthcare needs of veterans, making it an attractive option for those who have served.

Final Thoughts on Humana Medicare Advantage Plans

In conclusion, Humana Medicare Advantage plans offer a variety of benefits that can enhance the overall value for policyholders. Many plans feature a Part B Giveback benefit, potentially covering part of the Medicare Part B premium, and provide additional services such as vision, dental, and hearing care.

These ma plans offer a competitive option due to their unique benefits and structures, making them worth considering for comprehensive healthcare coverage options and additional coverage.

Summary

In summary, Humana Medicare Advantage plans offer a broad array of options designed to meet diverse healthcare needs. From HMO, PPO, PFFS, and SNP plans to extra benefits like vision, dental, and fitness programs, Humana provides comprehensive coverage.

While there are some drawbacks, such as high out-of-pocket costs and mixed customer service reviews, the plans’ flexibility, preventive health focus, and extensive network make them a strong contender in the Medicare Advantage market. Whether you’re a senior, a veteran, or someone with specific healthcare needs, Humana’s plans are worth considering.

Frequently Asked Questions

→ Is Humana pulling out of Medicare Advantage plans?

Humana is indeed pulling out of Medicare Advantage plans, with plans to exit certain markets in 2026, impacting around 500,000 enrollees. This decision will reduce its coverage to 46 states plus Washington, D.C.

→ What are the disadvantages of Humana medicare advantage?

The primary disadvantages of Humana Medicare Advantage include limited provider networks, which restrict your choice of doctors, and potentially high out-of-pocket costs, especially for those with complex medical needs. Additionally, there may be issues with denied claims, misleading marketing practices, and lack of nationwide coverage, impacting your access to care.

→ What additional benefits do Humana Medicare Advantage plans offer?

Humana Medicare Advantage plans provide enhanced benefits such as vision, dental, hearing care, fitness programs, and an over-the-counter allowance. These additional offerings can significantly improve your overall health and well-being.

→ Are Humana Medicare Advantage plans available nationwide?

Humana Medicare Advantage plans are not available nationwide; they are offered in 48 states, Washington, D.C., and Puerto Rico, covering about 85% of U.S. counties.

→ What are the costs associated with Humana Medicare Advantage plans?

Humana Medicare Advantage plans often come with no monthly premium for about 57% of their offerings, along with low out-of-pocket costs and copays that can start at $0 for primary care visits. Higher copays may apply for specialist visits and hospital stays.

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