Pros
- Strong Medicare Advantage presence.
- Many plans include routine care extras.
- HMO and PPO options are available.
- Helpful digital member tools are offered.
- Good fit for bundled benefit shoppers.
Cons
- Some benefits depend on plan choice.
- Networks may limit provider choice.
- Drug costs can vary by formulary.
If you’re preparing to sign up for Medicare, Humana could offer a Medicare Advantage plan that aligns with your healthcare needs and financial situation. Their plans may provide cost-saving opportunities along with added benefits like dental and hearing coverage, reduced insulin expenses, and access to the SilverSneakers fitness program. Across the U.S., Humana offers 793 distinct Medicare Advantage plans.
What is Humana?
Operating out of Louisville, KY, Humana holds a noteworthy position in the health insurance industry. Customers can access a variety of plans through Humana, encompassing Medicare Advantage, Medicare Supplement (Medigap), specific Medicare prescription drug coverage, Medicaid options, and plans for dental and vision needs.
Humana provides Medicare Advantage plan options throughout a significant part of the United States, encompassing 48 states plus Washington, D.C., and even Puerto Rico. This extensive network translates to availability in approximately 89% of all counties nationwide. Despite being the second-largest commercial provider of Medicare Advantage plans nationally, Humana saw a reduction in its membership by about 259,000 individuals for the 2025 plan year, according to data from the healthcare analytics firm Chartis. Nevertheless, enrollment in Humana’s Medicare Advantage plans remains substantial, currently exceeding 5.7 million people.
Plan Options
Humana provides a diverse selection of Medicare Advantage plans, including those with prescription coverage, those without, and even a specialized plan in partnership with USAA — the Humana USAA Honor Giveback plan — designed specifically for veterans and offering a Part B premium rebate.
HMO Plans
Health Maintenance Organization plans allow members to choose a primary care physician from a broad network. These plans typically offer unlimited visits to the chosen PCP, easy switching between doctors, and lower costs for premiums and copays.
PPO Plans
Preferred Provider Organization plans give members the freedom to see any Medicare-approved provider who accepts Humana’s terms. Out-of-network services are available but will cost more than in-network care. This extra flexibility generally comes with higher monthly premiums.
Private Fee-for-Service Plans
PFFS plans offer even more provider flexibility, allowing you to see almost any Medicare-approved healthcare professional — as long as they accept Humana’s payment terms. These plans often include drug coverage and offer global emergency protection. As with every Medicare Advantage plan, they include Part A and B benefits and have an annual cap on out of pocket costs.
Special Needs Plans
These targeted plans are for individuals with specific health conditions or those eligible for both Medicare and Medicaid.
- C-SNPs: Chronic Condition Special Needs Plans (C-SNPs) are specifically designed for Medicare beneficiaries who live with qualifying long-term health problems, such as diabetes, certain heart conditions, or various lung disorders.
- D-SNPs: Plans serve individuals enrolled in both Medicare and Medicaid by coordinating their benefits from both programs under a single, unified plan structure.
Cost Overview
Almost half of Humana’s plans available in 2025 come with no monthly insurance premiums. However, enrollees must still pay their standard Medicare Part B premium — starting at $185 per month — or potentially more depending on income. Costs such as deductibles, copays, and coinsurance may differ based on the plan and region. When comparing plan expenses, consider:
- If it covers portions of the monthly premium payments for Part B
- Plan-specific deductibles
- Common copays (e.g., $10 for a PCP visit or $45 for a specialist)
- The annual cap on out of pocket payments for in and out-of-network services
- Whether your doctors are in-network
- Any charges for extra benefits
Sample Plan Costs
1. HumanaChoice (PPO)
Monthly Premium: $0
Deductible: $330
Max Out-of-Pocket (In-Network): $3,600
Copays:
- Primary Care: $0
- Specialist: $30
- ER: $140
- Hospital Admission: $360
- Dental Benefit: $2,000
2. Humana Gold Plus (HMO)
Monthly Premium: $0
Deductible: $525
Max Out-of-Pocket (In-Network): $3,000
Copays:
- Primary Care: $0
- Specialist: $15
- ER: $140
- Hospital Admission: $295
- Dental Benefit: $1,000
3. Humana USAA Honor Giveback (HMO)
Monthly Premium: $0
Deductible: None
Max Out-of-Pocket (In-Network): $4,500
Copays:
- Primary Care: $0
- Specialist: $35
- ER: $125
- Hospital Admission: $360
- Dental Benefit: $6,000
Customer Support
For assistance, Humana members have two convenient options: they can dial 800-457-4708 (for TTY users, the number is 711), with support available every day between 8 AM and 8 PM Eastern Time. Alternatively, members can engage in a live chat session by logging into their account on the Humana website.
Conclusion
Humana remains a widely available Medicare Advantage provider with comprehensive plan options, including strong dental benefits and a generous Giveback program on many plans. However, declining customer satisfaction scores and fewer high-rated plans in 2025 may give some potential enrollees pause.