Humana Medicare Advantage Plans Review
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If you’re ready to enroll in Medicare, Humana may have a Medicare Advantage plan that works for your medical needs and budget. Humana’s Medicare Advantage plans, also called Medicare Part C, include Medicare Part A, Part B and sometimes Part D benefits. Humana’s plans can also help you save money or enjoy extra perks such as hearing care, dental care, insulin savings and a SilverSneakers membership.
Humana has 793 individual Medicare Advantage plans throughout the country.1 That’s a lot, so we spent over 80 hours going through Humana Medicare Advantage plans and created a guide to help you decide which plan to get from one of the best Medicare Advantage carriers in 2025. The guide will cover everything you need to know, including plan types, costs, ratings and reviews.
Pros About Humana Medicare Advantage
- Nationwide availability: Humana’s plans are available in 48 states, as well as Washington, D.C., and Puerto Rico.
- All-in-one coverage options: Many plans include Medicare Part A, Part B and Part D.
- Wide range of perks: Extra plan benefits may include dental care (deep cleanings, fillings and crowns), vision care (new glasses each year), hearing care, transportation, SilverSneakers fitness program, meal delivery, an over-the-counter (OTC) allowance and an insulin savings program.
- Variety of plan types: Humana offers four plan types: HMO, PPO, SNP and PFFS.
- $0 premium plans available: Many plans charge $0 monthly premiums, although you may still have to pay your Part B premium.
- User-friendly website: Humana’s website lets you find plans, pricing and benefits based on your ZIP code and easily compare your options.
- Unlimited visits with primary-care physicians (PCP): Most Humana HMO plans allow you to see your PCP as often as you need.
Cons About Humana Medicare Advantage
- Plan availability varies by location: Where you live will impact which plans are available and which extra benefits you’ll receive.
- Benefits vary by plan: Extras and perks vary depending on which plan you choose. Be sure to read all plan details thoroughly and compare your options before choosing.
Available Humana Medicare Advantage Plans
Humana is the second-largest Medicare Advantage carrier.2 Humana Medicare Advantage Plans are an alternative to Original Medicare (Part A and Part B). Humana’s plans cover Part A and Part B, along with other benefits, such as prescription drug coverage and routine vision, hearing and dental care. Humana has more than 8.5 million Medicare members, and more than 5.6 million of them are enrolled in a Medicare Advantage plan.3
Humana offers four types of Medicare Advantage plans, but your specific number of plan options will vary based on your location. To help you out, the Humana website will compile a list of recommended plans based on questions you answer about your current prescriptions, current doctors and veteran status. Then you can directly compare the options you’re interested in.
Below we’ll look at the types of plans Humana offers. Benefits and plan availability may change based on your location.
HMO Plans
Humana’s health maintenance organization (HMO) plans offer medical and prescription drug coverage. With an HMO plan, you need to select a primary-care physician (PCP) from a local provider network, whom you can see as often as you need. You can change your selection at any time, but you’ll still need to choose from a list of in-network PCPs. Humana’s HMO plans also require referrals for specialists, so they may be a hassle for older adults who regularly see specialists.
Other benefits of Humana HMO plans include routine dental, vision and hearing care; the SilverSneakers fitness program; and an OTC drugs and supplies allowance. Some plans come with a Healthy Options allowance or meal delivery service, while others include an insulin savings program, which is worth looking into if you have diabetes.
Humana’s HMO plans are best for older adults and other beneficiaries who:
- Want to spend as little money as possible
- Don’t typically see specialists
- Have doctors who participate in Humana's network
PPO Plans
If you want more choice in what doctors you see, consider a preferred provider organization (PPO) plan from Humana. With these plans, you can visit any Medicare-approved doctor — even if they’re out of Humana’s provider network. However, you will typically pay more if you choose an out-of-network provider. Generally, Humana’s PPO plans cost more than HMO plans, but you get the benefit of greater flexibility in choosing your doctors. Plus, you don’t need referrals for any services.
Along with Original Medicare benefits, PPO plans may include the same extra benefits you can get with HMO plans.
Humana’s PPO plans are best for older adults and other beneficiaries who:
- Want more flexibility in choosing care providers
- See specialists and don’t want to deal with referrals
- Don’t mind paying a little more in premiums
PFFS Plans
Humana’s private fee-for-service (PFFS) plans let you see most Medicare-approved doctors. The only catch is that the doctor must accept the Humana PFFS terms and conditions of payment. Humana decides how much the plan will pay for services and how much you will pay. PFFS plan benefits may include prescription drug coverage, full coverage for annual preventive screenings, hospitalization coverage, and emergency coverage domestically and internationally.
Many Humana PFFS plans also come with an allowance for OTC medications or first-aid supplies and a SilverSneakers fitness program membership.
Humana’s PPO plans are best for older adults and other beneficiaries who:
- Don’t want to choose a PCP
- Want more flexibility regarding which providers they can see
- See specialists and don’t want to deal with referrals
- Don’t mind paying higher out-of-pocket costs for out-of-network health-care services
Humana Special Needs Plans
Humana also offers special needs plans (SNPs) for people who have specific conditions. An SNP plan can also be an HMO or a PPO, but SNPs must always include Original Medicare benefits and prescription drug coverage. Other benefits may include routine dental, vision and hearing care; an OTC allowance; a SilverSneakers membership; and a Healthy Options allowance. SNP plans also include music therapy sessions created by a certified music therapist to advance engagement and lower anxiety for eligible members who have chronic conditions.
Humana’s Chronic Condition SNPs cater to Medicare beneficiaries with diabetes mellitus, cardiovascular disorders, chronic heart failure and chronic lung disorders. The company’s Dual-Eligible SNP is for individuals who are eligible for Medicare and Medicaid. It combines your Medicare and Medicaid benefits in one plan that’s easy to manage.
Humana’s SNP plans are best — and only — for older adults and other beneficiaries who:
- Have a qualifying chronic health condition
- Are eligible for Medicare and Medicaid
- Live in one of the states that offers Humana SNPs
FYI: Humana also offers 8 out of the 10 standard Medigap plans to supplement your Original Medicare. Options vary based on your location. For more details, check out our Humana Medigap plans review.
Medicare Advantage Plans for Veterans
Humana USAA Honor Giveback plans, designed for Medicare-eligible individuals, combine Humana’s Medicare Advantage expertise with USAA’s veteran-focused insights. They feature a $0 monthly premium, a Part B giveback, flexible care options and coverage for medical, dental, vision and hearing that complements VA health-care benefits. Humana also provides a veteran-specific support line (888-HUM-VETS) with a trained team to help veterans access their benefits.
FYI: If you’re a veteran in crisis — or if you’re concerned about a friend or loved one — dial 988, then press 1 to access free, confidential support from the Veterans Crisis Line, 24/7, 365 days a year.
Extra Perks and Benefits
Some Humana Medicare Advantage plans come with additional perks and benefits. Availability will vary based on your location and plan type.
- SilverSneakers membership: A fitness membership that grants you access to live online fitness classes, participating gym and fitness center locations, and in-person exercise classes designed for seniors.
- Insulin savings program: Members pay $35 or less at all in-network pharmacies for a 30-day supply of insulin. Some plans have $0 insulin copays.
- OTC allowance: Some plans include an allowance that you can use for vitamins, pain relievers, cold medicines, first-aid supplies and other OTC medications and supplies.
- Healthy Options allowance: Receive $25 to $225 each month ($300 to $2,700 annually) to shop for approved healthy foods at participating stores. The balance rolls over from month to month and expires at the end of the plan year or disenrollment from the plan.
- Well Dine meal delivery program: Following an inpatient stay in a hospital or skilled nursing facility, members may receive 28 free meals delivered to their homes. Seniors with Humana SNPs can also receive meals per eligible condition each year.
- Home-delivery pharmacy: CenterWell Pharmacy is a home-delivery pharmacy that offers on-time deliveries by mail.
Did You Know? Humana offers excellent perks, which is why they made SeniorLiving.org’s list of recommended Medicare Part D carriers in 2025.
How Much Do Humana Medicare Advantage Plans Cost?
Plan prices vary greatly from person to person, plan to plan and location to location. Fortunately, Humana makes it simple to see how much you may owe. Simply visit their website to get started.
Premiums for Humana’s plans start at $0 per month, in addition to your Medicare Part B premium. In 2025, the standard part B premium is $185.
Other expenses you may want to compare as you evaluate plans are copays and maximum out-of-pocket expenses.
Based on a Florida ZIP code, Humana’s plans range from $0 to $15 per PCP visit and $0 to $40 per specialist visit. Those numbers will vary depending on where you live and the plan you choose. Some plans cap their out-of-pocket expenses, while others have no maximum out-of-pocket responsibility. One plan had a maximum of $500, for example, while another had a $3,850 maximum.
Where Are Humana Medicare Advantage Plans Available?
Humana has more than 5 million Medicare Advantage customers. Its plans are available in 48 states, as well as Washington, D.C., and Puerto Rico, covering 89 percent of U.S. counties. Plan availability changes, however, based on the county you live in.
Older adults and other Medicare beneficiaries in some counties have as many as 16 plan options to choose from.
To see which plans are available in your area, visit plans.humana.com, type in your ZIP code and select your county.
FYI: Interested in learning more about signing up for a Part C plan? Read our Medicare enrollment guide.
Reviews and Ratings
Several third parties rate Medicare Advantage plans. Take a look at how Humana did:
- Centers for Medicare and Medicaid Services (CMS): Humana received a 3.63 out of 5 based on customer satisfaction.
- AM Best: Humana received a B++ rating from AM Best, which indicates that it can meet its financial obligations.
- Better Business Bureau (BBB): Humana is accredited and currently holds an A+ rating.
- National Committee for Quality Assurance (NCQA): Based on customer satisfaction, Humana received between 2.5 and 4 out of 5 stars.
- J.D. Power: Humana ranked second overall in the 2024 U.S. Medicare Advantage Study Overall Customer Satisfaction Index Rating.
Each agency takes different factors into consideration when evaluating Humana, including customer satisfaction, diversity of product offerings and financial health. The most relevant ratings to consider are from CMS and J.D. Power, because both evaluated only Humana’s Medicare-related products.
Did You Know? Humana and USAA have joined forces to offer the Humana USAA Honor Giveback plan, which is part of the Humana Honor portfolio made for veterans and offers a Part B Giveback.
Customer Service
You can reach Humana’s customer-service team online, over the phone or by mail. Call Humana’s Medicare customer-service team at 800-457-4708 (TTY: 711) from 8 a.m. to 8 p.m., Monday through Friday. To chat online with customer service, you’ll need a Humana account. Online chat support availability varies depending on hours of operation and representative availability. If you have simple questions, you can reach out to @HumanaHelp on Twitter from 6 a.m. to 8 p.m., seven days a week. You can also send mail to:
Humana Inc.
500 W. Main Street
Louisville, KY 40202
Humana vs. the Competition
You’ve already learned about what Humana has to offer, but let’s take a look at how it compares to some of its biggest competition to find out if it’s the right Medicare Advantage carrier for you.
Humana vs. UnitedHealthcare
Humana is the fourth-largest health insurance company in the country, a few slots behind UnitedHealth, the country’s biggest health insurance carrier.4 UnitedHealthcare serves more than 13 million people and has several plans and great benefits for members nationwide. One of the plans includes AARP benefits (if you pay the $20 AARP yearly membership fee) since the carrier partners with AARP, but you can get plans directly through UnitedHealthcare too.
Humana vs. Aetna
Unlike Humana, Aetna Medicare Advantage members enjoy benefits such as walk-in MinuteClinics at CVS locations, due to Aetna’s partnership with CVS Health. Like Humana, most plans come with dental, vision and hearing coverage. Humana comes close, but it doesn’t quite have the nationwide coverage that Aetna does in all 50 states.
Humana vs. Kaiser
Humana covers 48 states, while Kaiser Medicare Advantage covers just eight. Like Humana, Kaiser offers fitness benefits such as the Silver&Fit Healthy Aging and Exercise Program, and both carriers offer OTC benefits and other useful perks. Most of Kaiser’s plans have drug coverage, as does Humana. Unlike Kaiser, however, Humana offers four plan types: HMO, PPO, SNP and PFFS. Kaiser offers mainly HMO plans.
Our Methodology
Our team dedicated more than 80 hours to in-depth analysis of Humana Medicare Advantage plans. We carefully assessed key factors such as plan diversity, cost, added benefits, and the insurer’s reputation and ratings. Below is an outline of the specific criteria that guided our evaluation:
- Plan options and coverage: We reviewed various plan types, including HMO, PPO, PFFS and SNP, to assess their hospital and medical benefits, prescription drug coverage, and extra perks such as dental care and fitness programs.
- Cost and value assessment: Cost is a major factor in the plans older adults may select, so we reviewed monthly premiums, deductibles, copays, coinsurance, out-of-pocket limits and extra expenses for hospital stays.
- Customer satisfaction and support: To determine customer satisfaction, we evaluated customer reviews and plan ratings from BBB, NCQA and CMS. We also looked at customer service availability and efficiency, as well as claim processing.
Bonus benefits and perks: We considered any extra perks and benefits that provide well-rounded service to members, such as meal delivery, transportation, walk-in clinic access and telehealth services.
Final Thoughts on Humana Medicare Advantage Plans
Humana’s Medicare Advantage plans are more widely available than those from other private insurers. The company offers four plan types with varying premiums, copays and out-of-pocket maximums so you can easily find a plan that fits your budget and medical needs. Plus, many of the plans include prescription drug coverage; routine hearing, dental and vision care; fitness benefits; and more. Since their website is so user-friendly and lets you compare plans based on your ZIP code, it won’t take long to see what’s available.
Frequently Asked Questions About Humana Medicare Advantage Plans
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Am I eligible for a Humana Medicare Advantage plan?
To be eligible for a Humana Medicare Advantage plan, you must be enrolled in Medicare Parts A and B and live in the coverage area Humana serves.
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What additional benefits do Humana Medicare Advantage plans have?
Unlike Original Medicare, most Humana Medicare Advantage plans include routine dental, hearing and vision care, as well as fitness and OTC benefits.
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What is the Medicare Part B Giveback Benefit?
A Part B premium reduction is offered on some Humana Medicare Advantage plans. This is called the Giveback Benefit. Upon enrolling in the plan, Humana will pay a part of your Part B premium, which means a decreased amount will be taken from your Social Security check.
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Which is better: an HMO or PPO Medicare Advantage Plan?
It depends on your budget and needs, but HMO plans generally are more affordable, while PPO plans give you more flexibility.
Humana. (2024). Humana’s 2025 Medicare Advantage Plans.
KFF. (2024). Medicare Advantage in 2024: Enrollment Update and Key Trends.
Humana. (2024). Humana’s 2025 Medicare Advantage Plans.
People Keep. (2025). Top 25 Health Insurance Companies in the U.S.