Humana Health Insurance Medicare plans are among the most trusted and widely used Medicare solutions available in the United States. With a reputation for providing high-quality care, extensive provider networks, and robust supplemental benefits, Humana offers an array of Medicare options tailored to meet the evolving healthcare needs of seniors.
Whether you’re approaching age 65, helping a loved one explore coverage, or simply comparing Medicare Advantage options, this guide will walk you through everything you need to know about Humana’s Medicare insurance plans.
About Humana: A Trusted Name in Medicare Coverage
Humana Inc. is a leading health and wellness company that has been serving Americans for over 60 years. Headquartered in Louisville, Kentucky, Humana is consistently ranked among the top Medicare Advantage providers, offering a variety of plans in all 50 states.
With a focus on personalized care, preventive services, and member support, Humana ensures seniors have access to the health benefits they need—delivered with compassion and convenience.
Humana Medicare Plans Overview
Humana offers a full suite of Medicare insurance plans, including:
✅ Medicare Advantage Plans (Part C)
These are all-in-one plans that bundle Part A (hospital insurance) and Part B (medical insurance), often including Part D (prescription drug coverage) and other valuable extras.
✅ Medicare Supplement Plans (Medigap)
These plans help pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
✅ Medicare Prescription Drug Plans (Part D)
Humana offers stand-alone drug coverage plans for those who choose Original Medicare but still need affordable prescription drug options.
Why Choose Humana Health Insurance for Medicare?
Choosing Humana for your Medicare coverage comes with a range of advantages that go far beyond basic health insurance.
✅ Nationwide Access
Humana serves millions of Medicare beneficiaries across the country, with access to a large network of doctors, specialists, and hospitals.
✅ $0 Premium Options
Many Humana Medicare Advantage plans come with $0 monthly premiums, depending on your location and eligibility.
✅ Comprehensive Coverage
Most plans offer medical, hospital, and prescription drug coverage in one convenient package—often with extra perks like dental, vision, and hearing care.
✅ Wellness and Preventive Care
Humana prioritizes your long-term health by offering:
- Annual wellness visits
- Vaccines and screenings
- Chronic condition management
- 24/7 Nurse Advice Line
✅ Additional Benefits
Depending on the plan, you may also receive:
- Fitness program memberships through SilverSneakers®
- Transportation to medical appointments
- OTC (Over-the-Counter) allowance for everyday health items
- Meals after hospital stays
Humana Medicare Advantage Plans (Part C)
Humana’s Medicare Advantage plans are popular for their all-inclusive nature, combining hospital, medical, and drug benefits under a single policy.
Most common types of Humana Advantage plans include:
- HMO (Health Maintenance Organization): Lower costs with in-network providers.
- PPO (Preferred Provider Organization): Flexibility to see both in-network and out-of-network providers.
- PFFS (Private Fee-for-Service): Greater provider freedom, but fewer guarantees of coverage without pre-approval.
- D-SNP (Dual Eligible Special Needs Plans): For those eligible for both Medicare and Medicaid.
Features of Humana Medicare Advantage Plans:
- Prescription drug coverage included
- Annual out-of-pocket maximums
- Wellness programs and care management
- Local customer service and support
Humana Medicare Supplement Plans (Medigap)
For those who prefer Original Medicare but want help covering out-of-pocket costs, Humana offers a range of Medigap plans.
Key benefits:
- Helps pay Medicare Part A and B deductibles, copays, and coinsurance
- No network restrictions—see any provider who accepts Medicare
- Predictable monthly premiums
- Options include Plans A, G, and N (availability varies by state)
Note: Medigap plans do not include Part D, so you’ll need to purchase a separate Humana Part D prescription drug plan if needed.
Humana Medicare Part D Plans
Humana offers three tiers of Part D plans to suit different medication needs and budgets:
| Plan Name | Monthly Premium | Best For |
|---|---|---|
| Humana Walmart Value Rx | $0–$30 | Budget-friendly, broad access |
| Humana Premier Rx Plan | $50–$80 | More comprehensive drug coverage |
| Humana Basic Rx Plan | $30–$50 | Simple, basic prescription needs |
All plans include:
- Nationwide pharmacy network access
- Mail-order pharmacy with home delivery
- Online tools to manage prescriptions and costs
How to Enroll in Humana Medicare Plans
✳️ Eligibility
You are eligible for Humana Medicare plans if:
- You are 65 years or older, OR
- You’re under 65 and have a qualifying disability
- You’re enrolled in Medicare Part A and Part B
🗓️ Enrollment Periods
- Initial Enrollment Period (IEP): Starts 3 months before your 65th birthday.
- Annual Enrollment Period (AEP): October 15 – December 7.
- Open Enrollment Period (OEP): January 1 – March 31.
- Special Enrollment Periods (SEP): For qualifying life events like moving, losing employer coverage, or qualifying for Medicaid.
🖥️ How to Enroll
You can enroll in a Humana plan via:
- Official Humana website
- Phone consultation with a licensed Humana agent
- Medicare.gov portal
Cost of Humana Medicare Insurance
The cost of a Humana Medicare plan depends on the type of plan, your location, and the coverage level. While many plans offer $0 premiums, you may still be responsible for:
- Monthly Part B premium (standard amount in 2025 is $174.70)
- Copays and coinsurance
- Deductibles for medical services or prescriptions
- Optional add-ons for dental or vision
Humana offers cost calculators and tools to help you estimate your total monthly and annual expenses based on your plan.
Why Seniors Trust Humana for Medicare
Thousands of seniors choose Humana for Medicare because of the personalized experience and comprehensive coverage that goes beyond hospital and doctor visits. From fitness memberships and wellness resources to local agent support, Humana is focused on helping seniors live longer, healthier, and more fulfilling lives.
Customer reviews consistently highlight:
- Fast claims processing
- Knowledgeable agents
- High-quality provider network
- Great value for cost
Final Thoughts: Is Humana Medicare Right for You?
If you’re looking for a Medicare plan that offers strong coverage, extra benefits, and excellent customer service, Humana is one of the best choices available. With a wide variety of plans to fit different healthcare needs and budgets, Humana Health Insurance Medicare makes it easier for seniors to access quality, affordable care nationwide.
Whether you’re considering a Medicare Advantage plan, a supplemental Medigap policy, or a prescription drug plan, Humana has a solution that can be tailored to your lifestyle and health goals.