Humana Medicare Plans

At a glance:

  • $0 premium Medicare Advantage plans available in some areas1
  • Many plans offer prescription drug coverage and vision and dental benefits
  • Over 4 million people are enrolled in a Humana Medicare Advantage Plan2

Humana offers a wide variety of Medicare plans, including Medicare Advantage plans, Medicare stand-alone prescription drug plans and Medicare Supplement Insurance plans.

This article will provide an overview of each Humana Medicare coverage type, and some of the plan options and benefits that may be available.

Humana Medicare Advantage Plans

Humana Medicare Advantage plans provide the same coverage as Original Medicare (Medicare Part A and Part B), and some plans may include additional benefits coverage, such as:

  • Prescription drug coverage
  • Dental care
  • Vision care

Certain Humana Medicare Advantage plans also offer other benefits such as fitness programs, access to mail-order pharmacy services, and caregiver support.3

You may be able to enroll in a plan with an affordable or, in some areas, a $0 monthly premium.1

Over 4 million people are enrolled in a Humana Medicare Advantage plan.2

Humana offers four Medicare Advantage plan types:

  1. Humana HMO plans
  2. Humana PPO plans
  3. Humana PFFS plans
  4. Humana Medicare Advantage Special Needs Plans (SNPs)

A Humana HMO plan requires you to choose an in-network primary care doctor. The plan offers affordable copayments and generally has a lower out-of-pocket maximum than Humana’s PPO and PFFS plans.

A Humana PPO plan lets you visit any Medicare-approved doctor who accepts Humana’s plan terms and agrees to bill the plan. The plan offers affordable copayments and has mid-range out-of-pocket maximum compared to Humana’s HMO and PFFS plans.

A Humana PFFS plan lets you visit almost any Medicare-approved doctor who accepts Humana’s plan terms and agrees to bill the plan. The plan offers affordable copayments and has a higher-range out-of-pocket maximum compared to Humana’s HMO and PPO plans.

Humana Medicare Advantage Special Needs Plans (SNPs) are a type of Medicare Advantage plan available to beneficiaries who meet certain criteria. Humana offers SNPs to beneficiaries who are eligible for both Medicare and Medicaid, and beneficiaries who have certain qualifying medical conditions. These plans are tailored to fit the needs of those who qualify. You must meet the plan’s eligibility requirements to enroll.

Your plan options may vary depending on your location.

Humana Medicare Stand-Alone Prescription Drug Plans

Humana Medicare prescription drug plans offer stand-alone prescription drug coverage for Medicare beneficiaries. The plans work with Original Medicare (Medicare Parts A and B), Medicare Supplement Insurance plans and certain Medicare Advantage plans.

Your plan out-of-pocket costs will vary depending on which prescription drugs you take and which pharmacy you use.

Each plan charges different copayments or coinsurance when you fill a prescription within each tier. The tiers range from Tier 1, Preferred Generic, up to Tier 5, Specialty Tier. For example, if you get a generic prescription from Tier 1, your copayment may be significantly lower than if you get a specialty prescription from Tier 5.

Humana offers three Medicare stand-alone prescription drug plans:4

  1. Humana Walmart Value Rx Plan™ (PDP)
  2. Humana Premier Rx Plan™ (PDP)
  3. Humana Basic Rx Plan™ (PDP)

Your plan options and cost sharing may vary depending on your location.

Humana Medicare Supplement Insurance Plans

Humana Medicare Supplement Insurance plans work with Original Medicare and help pay Medicare out-of-pocket costs such as certain copayments, coinsurance and deductibles.

Medicare Supplement Insurance plans are standardized by the federal government and work with Original Medicare and Medicare stand-alone prescription drug plans. You cannot have a Medicare Advantage plan and a Medicare Supplement Insurance plan at the same time.

Humana offers eight Medicare Supplement Insurance plans in most states.5 Your plan options may vary depending on your state, including in Massachusetts, Minnesota and Wisconsin. Plans are standardized differently in those three states.

A licensed insurance agent6 can help you find out which Humana Medicare plan is right for your coverage needs. Simply call  TTY Users: 711 24 hours a day, 7 days a week, or request a free plan comparison online, with no obligation to enroll in a plan.

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Every 5 minutes on average, we help someone enroll in a Medicare Advantage plan.7

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