Humana Medicare generally refers to the range of Medicare plans (Medicare Advantage, Medigap, and Part D) offered by Humana, one of the largest private Medicare insurers in the U.S. These plans usually go beyond Original Medicare by bundling extras like dental, vision, and fitness programs, but costs, quality, and availability vary by ZIP code and year.

What is Humana Medicare?

  • Humana focuses heavily on Medicare today, offering Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D prescription drug plans.
  • Plans are available in most of the U.S., including 48 states, Washington, D.C., and Puerto Rico for many Medicare Advantage options.

Main Types of Plans

  • Medicare Advantage (Part C): HMO, PPO, PFFS, and Special Needs Plans (SNPs) that must cover at least what Original Medicare (Parts A and B) covers, often with extra benefits.
  • Medicare Supplement (Medigap): Helps pay some out‑of‑pocket costs that Original Medicare does not cover, like deductibles and coinsurance, sold as separate standardized plans.
  • Part D drug plans: Multiple prescription drug plan options (such as Value, Premier, and Basic style designs) with different premiums and formularies.

Typical Benefits and Extras

  • Many Humana Medicare Advantage plans include extras such as: dental, vision, hearing, over‑the‑counter (OTC) allowances, and gym or fitness memberships (often via SilverSneakers or similar programs).
  • Some plans may include limited coverage for care abroad and home healthcare, but details differ by plan and location.

Pros, Cons, and Recent Trends (2025–2026)

  • Pros often mentioned: broad plan menu (HMO, PPO, SNP, Medigap), strong benefit packages, and widespread geographic presence.
  • Cons: recent declines in some Medicare Star Ratings, relatively high complaint rates in certain regions, and Humana exiting some local markets, which can affect member experience and plan stability.

How to Approach Choosing a Humana Medicare Plan

  • Check what plans serve your exact ZIP code and compare: premiums, max out‑of‑pocket limits, included drugs, and provider networks.
  • Review current quality ratings and recent changes (such as exits from your county or benefit cuts) for the upcoming plan year before enrolling or renewing.

Information gathered from public forums or data available on the internet and portrayed here.