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1 in 3 People eligible for Medicare choose a Medicare Advantage plan2, and the reason is clear. You can enjoy the security that comes with Original Medicare, while filling the gaps in your coverage with added benefits—all for an affordable price. 

Not everyone wants the same things from their Medicare Advantage plan. For example, a Medicare Advantage Prescription Drug plan includes Medicare Part D prescription drug coverage and a Medicare Advantage plan does not. Humana offers a variety of plan types and coverage options to fit your needs.

Healthcare isn’t one size fits all. And neither are our plans.

View our full suite of plans so you can tailor your coverage to your unique needs.

Humana Gold Plus

HMO Plans

MEMBER NAME
Member ID: XXXXXX
Card Issued: MM/DD/YYYY

A plan with lower deductibles and copays

How it works

HMO

  • HMO stands for Health Maintenance Organization. These plans are typically less expensive than PPO plans. Many Humana HMO plans have premiums and deductibles as low as $0. 

  • Coverage only extends to in-network doctors, hospitals, specialists, and clinics – with few exceptions. However, Humana has a large network, so check one of our agents to see if your preferred healthcare providers are in-network. 

  • Most require you to select a primary care physician who oversees your medical needs and refers you to specialists. 

  • Some require a referral from your primary care physician to receive treatment from a specialist—but in many areas, Humana HMO plans will waive both requirements completely.

  • All have predictable copayments and coinsurance to make it easier to budget for your healthcare costs

  • Most have Part D Prescription drug coverage built in

  • Some even cover dental, vision, hearing aids, and home health needs.

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:

    • Free membership at approved gyms through the Silver Sneakers fitness program

    • Money for over-the-counter items like pain relievers, allergy medications, vitamins, personal care, and first-aid products

    • Rides to doctor appointments, so you do not have to find someone to drive you

    • Home-delivered meals after an in-patient overnight hospital stay

A plan with lower deductibles and copays

Maximize your benefits while minimizing your costs—pay as low as $0 premiums and lower out of pocket costs than other plan options.

How it works
HMO

  • HMO stands for Health Maintenance Organization. These plans are typically less expensive than PPO plans. Many Humana HMO plans have premiums and deductibles as low as $0. 

  • Coverage only extends to in-network doctors, hospitals, specialists, and clinics – with few exceptions. However, Humana has a large network, so check one of our agents to see if your preferred healthcare providers are in-network. 

  • Most require you to select a primary care physician who oversees your medical needs and refers you to specialists. 

  • Some require a referral from your primary care physician to receive treatment from a specialist—but in many areas, Humana HMO plans will waive both requirements completely.

  • All have predictable copayments and coinsurance to make it easier to budget for your healthcare costs

  • Most have Part D Prescription drug coverage built in

  • Some even cover dental, vision, hearing aids, and home health needs.

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:

    • Free membership at approved gyms through the Silver Sneakers fitness program

    • Money for over-the-counter items like pain relievers, allergy medications, vitamins, personal care, and first-aid products

    • Rides to doctor appointments, so you do not have to find someone to drive you

    • Home-delivered meals after an in-patient overnight hospital stay

Humana Gold Plus

D-SNP Plans

MEMBER NAME
Member ID: XXXXXX
Card Issued: MM/DD/YYYY

A plan for people who have both Medicare and Medicaid

How it works

D-SNP
  • D-SNP stands for Dual-eligible special needs "Dual-eligible" is the term used to describe people who are enrolled in both Medicare and Medicaid. These plans are specifically designed for those enrolled in both programs.

  • They coordinate all the benefits of Medicare and Medicaid, plus include additional coverage and extra benefits all in one easy-to-manage plan.

  • They may also reduce payments for premiums, deductibles, and prescription drugs.

  • Many members receive cost sharing through state-run Medicare Savings Programs (MSP), which provide help for premiums, deductibles, coinsurance and copayments, depending on the participant's income level and the specific MSP.1

  • Most have Part D Prescription drug coverage built in.

  • Some even cover dental, vision, hearing aids, and home health needs.

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:
    • A card that provides a monthly or quarterly allowance towards your over-the-counter medications like  pain relievers, allergy medications, vitamins, and first-aid products.

    • Rides to doctor appointments, so you do not have to find someone to drive you Plans include coverage for a certain number of trips, with some even offering unlimited trips. Rides are offered through private transportation companies in your area. 

A plan for people who have both Medicare and Medicaid

Combine all the benefits of Medicare and Medicaid, and include additional coverage and extra benefits all in one easy to manage plan.

How it works
D-SNP
  • D-SNP stands for Dual-eligible special needs "Dual-eligible" is the term used to describe people who are enrolled in both Medicare and Medicaid. These plans are specifically designed for those enrolled in both programs.

  • They coordinate all the benefits of Medicare and Medicaid, plus include additional coverage and extra benefits all in one easy-to-manage plan.

  • They may also reduce payments for premiums, deductibles, and prescription drugs.

  • Many members receive cost sharing through state-run Medicare Savings Programs (MSP), which provide help for premiums, deductibles, coinsurance and copayments, depending on the participant's income level and the specific MSP.1

  • Most have Part D Prescription drug coverage built in.

  • Some even cover dental, vision, hearing aids, and home health needs.

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:
    • A card that provides a monthly or quarterly allowance towards your over-the-counter medications like  pain relievers, allergy medications, vitamins, and first-aid products.

    • Rides to doctor appointments, so you do not have to find someone to drive you Plans include coverage for a certain number of trips, with some even offering unlimited trips. Rides are offered through private transportation companies in your area. 

Humana Honor Plans

MEMBER NAME
Member ID: XXXXXX
Card Issued: MM/DD/YYYY

A Medicare Advantage plan for everyone, but designed with Veterans in mind to complement VA medical benefits*

How it works

Humana Honor Plans
  • Humana Honors plans are endorsed by USAA.These plans are available to anyone, but were built with our nation’s Veterans in mind.

  • Keep your VA medical benefits and VA drug benefits while getting access to everything a Medicare Advantage plan has to offer.

  • For Veterans and their spouses with Tricare for Life/ChampVA, MA plans are not generally recommended. Be sure to communicate with your current plan to fully understand the coordination between an MA plan and TFL/ChampVA prior to deciding if an MA plan is still right for you before you enroll.

  • You’ll have a broader selection of hospitals and doctors, since they no longer have to be VA-approved.

  • Get help covering copayments and other out of pocket costs for non-service-connected care.

  • These plans don’t include drug coverage so you’ll be able to keep your VAdrug coverage and avoid possible conflicts with VA prescription drug benefits.

  • Most even cover dental, vision, hearing aids, and home health needs.

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:
    • Free membership at approved gyms through the Silver Sneakers fitness program.

    • Money for over-the-counter items like pain relievers, allergy medications, vitamins, personal care, and first-aid products.

    • Points to spend like cash for healthy actives via the Go365™ wellness rewards program.

A Medicare Advantage plan for everyone, but designed with Veterans in mind to complement VA medical benefits*

Get the best of both worlds—continue to use your basic VA medical benefits3 while adding all the perks that come with a Medicare Advantage plan. These plans are available to anyone and do not include Prescription Drug Coverage

How it works
Humana Honor Plans
  • Humana Honors plans are endorsed by USAA.These plans are available to anyone, but were built with our nation’s Veterans in mind.

  • Keep your VA medical benefits and VA drug benefits while getting access to everything a Medicare Advantage plan has to offer.

  • For Veterans and their spouses with Tricare for Life/ChampVA, MA plans are not generally recommended. Be sure to communicate with your current plan to fully understand the coordination between an MA plan and TFL/ChampVA prior to deciding if an MA plan is still right for you before you enroll.

  • You’ll have a broader selection of hospitals and doctors, since they no longer have to be VA-approved.

  • Get help covering copayments and other out of pocket costs for non-service-connected care.

  • These plans don’t include drug coverage so you’ll be able to keep your VAdrug coverage and avoid possible conflicts with VA prescription drug benefits.

  • Most even cover dental, vision, hearing aids, and home health needs.

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:
    • Free membership at approved gyms through the Silver Sneakers fitness program.

    • Money for over-the-counter items like pain relievers, allergy medications, vitamins, personal care, and first-aid products.

    • Points to spend like cash for healthy actives via the Go365™ wellness rewards program.

Humana Choice

PPO Plans

MEMBER NAME
Member ID: XXXXXX
Card Issued: MM/DD/YYYY

A plan that offers the most freedom when choosing doctors, hospitals and specialists

How it works

PPO

  • PPO stands for Preferred Provider Organization. These plans typically cost a bit more than an HMO, but come with more flexibility. And while most require a monthly premium, Humana is rolling out PPO plans with a $0 premium in many areas.

  • Unlike some HMOs, you’re generally not required to select a primary care physician and won’t need a referral for specialist visits.  

  • In most cases, you can use any Medicare-approved doctor, specialist or hospital—even when you travel. However, out-of-pocket costs will likely be lower with in-network providers.  

  • Predictable copayments and coinsurance make it easier to budget for your healthcare costs so there won’t be any surprises

  • Most have Part D prescription drug coverage built in

  • Some plans even cover dental, vision, hearing aids, and home health needs.  

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:

    • Free membership at approved gyms through the Silver Sneakers fitness program

    • Emergency coverage when you travel outside the U.S.

    • Points to spend like cash for healthy actives via the Go365™ wellness rewards program

A plan that offers the most freedom when choosing doctors, hospitals and specialists

Pick any Medicare-approved doctor, hospital or specialist without a referral—even when you travel.

How it works
PPO

  • PPO stands for Preferred Provider Organization. These plans typically cost a bit more than an HMO, but come with more flexibility. And while most require a monthly premium, Humana is rolling out PPO plans with a $0 premium in many areas.

  • Unlike some HMOs, you’re generally not required to select a primary care physician and won’t need a referral for specialist visits.  

  • In most cases, you can use any Medicare-approved doctor, specialist or hospital—even when you travel. However, out-of-pocket costs will likely be lower with in-network providers.  

  • Predictable copayments and coinsurance make it easier to budget for your healthcare costs so there won’t be any surprises

  • Most have Part D prescription drug coverage built in

  • Some plans even cover dental, vision, hearing aids, and home health needs.  

  • You’ll get access to valuable extra benefits and services at no extra cost, including but not limited to:

    • Free membership at approved gyms through the Silver Sneakers fitness program

    • Emergency coverage when you travel outside the U.S.

    • Points to spend like cash for healthy actives via the Go365™ wellness rewards program

Humana Walmart Value Rx Plan

PDP

MEMBER NAME
Member ID: XXXXXX
Card Issued: MM/DD/YYYY

A standalone plan for affordable prescription drugs

How it works

Walmart PDP

  • Part D prescription drug coverage is a required add on—if you don’t sign up when you’re first eligible, enroll in an MAPD plan, or you don’t have other creditable drug coverage, you’ll likely pay a late enrollment penalty and will continue to pay that penalty on a monthly basis.

  • If you’re on a Medicare Supplement plan, have decided to stick with Original Medicare, or are receiving additional medical coverage through an existing group policy or other retirement benefits, then this plan may be the right option for you.

  • These plans offer protection against high medication costs—with $0 deductibles, and predictable copays as low as $0 - $1 for many medications at in-network pharmacies. 

  • Save even more when you fill your prescriptions at preferred cost-sharing pharmacies like Walmart, Sam's Club, Publix, Kroger, Costco, Harris Teeter, H-E-B and more.

  • Conveniently fill your prescriptions at more than 60,000 network pharmacies across the country

  • You’ll get access to valuable extra benefits and services at no extra cost:

    • Medications delivered to your doorstep from mail-order pharmacies like Humana Pharmacy

    • Automatic savings alerts that notify you when your medications are available at lower costs in their generic form

A standalone plan for affordable prescription drugs

Save on monthly costs and copays when paying for your prescriptions

How it works
Walmart PDP

  • Part D prescription drug coverage is a required add on—if you don’t sign up when you’re first eligible, enroll in an MAPD plan, or you don’t have other creditable drug coverage, you’ll likely pay a late enrollment penalty and will continue to pay that penalty on a monthly basis.

  • If you’re on a Medicare Supplement plan, have decided to stick with Original Medicare, or are receiving additional medical coverage through an existing group policy or other retirement benefits, then this plan may be the right option for you.

  • These plans offer protection against high medication costs—with $0 deductibles, and predictable copays as low as $0 - $1 for many medications at in-network pharmacies. 

  • Save even more when you fill your prescriptions at preferred cost-sharing pharmacies like Walmart, Sam's Club, Publix, Kroger, Costco, Harris Teeter, H-E-B and more.

  • Conveniently fill your prescriptions at more than 60,000 network pharmacies across the country

  • You’ll get access to valuable extra benefits and services at no extra cost:

    • Medications delivered to your doorstep from mail-order pharmacies like Humana Pharmacy

    • Automatic savings alerts that notify you when your medications are available at lower costs in their generic form

What’s covered on all Humana plans?

  • 1. Hospital Stays

  • 2. Doctor and specialist visits – including telehealth

  • 3. Preventive care and vaccines

  • 4. Lab work, X-rays, screenings, and imaging

  • 5. Outpatient care and procedures

  • 6. Emergency transportation

  • 7. Medicare supplies and equipment

Which to choose: HMO vs. PPO?

We break down the differences between the two most frequently selected plans.

HMO

PPO

HMO

Health Maintenance Organization

These plans are typically less expensive than PPO plans. Many Humana HMO plans have low or $0 premiums and deductibles. However, there are some additional requirements for care that allow these plans to cost less

  • - Their coverage only extends to in-network doctors, hospitals, specialists, and clinics – with few exceptions. If you choose to get treatment from an out-of-network provider, you will be responsible for 100% of the cost. However, Humana has a large network, so check with a licensed Humana sales agent to see if your preferred healthcare providers are in-network.
  • - Most HMO plans require you to select a primary care physician. This doctor oversees your medical needs and refers you to specialists, if necessary. Some HMO plans require you to have a referral from your primary care physician before treatment from a specialist will be covered. In some areas, Humana offers HMO plans that waive both requirements completely.

PPO

Preferred Provider Organization

PPO plans typically cost more than HMOs but they come with more flexibility. Most PPO plans require you to pay a monthly premium and have a higher deductible for medical care.

  • - Unlike some HMOs, you generally are not required to select a primary care physician and you won’t need a referral for specialist visits.
  • - In most cases, you’ll be covered by both in-network and out-of-network doctors and hospitals. However, your out-of-pocket costs will be lower if you get care from in-network providers.
Show More Show Less

Find your perfect match

Answer these questions to help us find the plan that’s right for you.

Pro tip!

Resist the urge to shop based on premium alone. Consider the total out of pocket costs and extra benefits and services you’ll need. Plus make sure you confirm your doctors and specialists will accept the plan and price the cost of your medications. Getting into the right plan can lead to real savings over time.

Find your perfect match

Question 1/4

Which base coverage(s) are you starting with? Select all existing insurance plans you have access to.

  • Medicare Part A

  • Medicare Part B

  • Medicaid

  • VA benefits for military veterans

  • A group insurance or retirement policy

Question 2/4

What additional coverage will you need to purchase through a private insurance plan? Select all coverages you need that you’re currently missing.

  • Prescription drug coverage to help cover the cost of your medications

  • Basic dental coverage for things like exams, cleanings, filings, and x-rays / Comprehensive dental for things like root canals, extractions, dentures, implants, and other procedures

  • More comprenhensive dental for things like root canals, extractions, dentures, implants, and other procedures

  • Vision exams, procedures, and corrective eye-wear

  • Hearing coverage, hearing aids, exams, and treatments

Question 3/4

What matters more to you? Choose the plan type that better fits your needs

  • A plan that offers more flexibility choosing doctors, hospitals and specialists (PPO)

  • A plan that may offers lower prices but requires use of network providers (HMO)

Question 4/4

What benefits do you expect to use most? Click on the benefits you’d expect to use most. Select all that apply.

  • A maximum out-of-pocket limit

  • Zero Dollar Premium Plans

  • Alerts to lower cost medications

  • A gym membership through a fitness program

  • Rewards for completing healthy activities

  • Access to Humana’s mail-order pharmacies

  • Rides to doctor appointments

  • Coverage for virtual telemedicine doctor visits

  • Worldwide Emergency Coverage

  • Meal delivery after an inpatient overnighthospital stay

  • An allowance to spend like cash for over-the-counter medications

The coverage and benefits you selected

Coverage and Benefits Original Medicare
Parts A		 Original Medicare
Parts B		 All-in-one Medicare
Advantage Prescription
Drug Plan Part C		 Stand-alone
Prescription
Drug Plan Part D
Standard coverage

Part A: Hospital Coverage
Includes hospital expenses, skilled nursing, personal assistance and hospice care.

Part B: Doctor & Outpatient Coverage
Includes doctor visits, outpatient care, and preventive services

Your dual eligibility selection
Additional Coverage

Prescription drug coverage

Coverage for dental care and procedures

More comprenhensive dental for things like root canals, extractions, dentures, implants, and other procedures

Coverage for vision exams, corrective eye-wear, and procedures
Doctor and Hospital Network

Your Preferred Network Type

Your Preferred Doctor Type
Predictable Costs and Potential Savings

Maximum out-of-pocket limit

Zero Dollar Premium Plans

Maximize Your Benefit® Rx 9

A gym membership through a fitness program

Go365 Humana’s personalized wellness and rewards program

Access to Humana’s mail-order pharmacy

Telemedicine – virtual doctor visits from your phone or computer

Worldwide Emergency Coverage

Swipe to compare more plans

Original Medicare
Parts A		 Original Medicare
Parts B		 Stand-alone
Prescription
Drug Plan Part D		 All-in-one Medicare
Advantage
PrescriptionDrug
Plan Part C

Part A: Hospital Coverage
Includes hospital expenses, skilled nursing, personal assistance and hospice care.

Part B: Doctor & Outpatient Coverage
Includes doctor visits, outpatient care, and preventive services

Your dual eligibility selection

VA benefits for military veterans

A group insurance or retirement policy

Prescription drug coverage

Coverage for dental care and procedures

More comprenhensive dental for things like root canals, extractions, dentures, implants, and other procedures

Coverage for vision exams, corrective eye-wear, and procedures

Hearing coverage, hearing aids, exams, and treatments

Your Preferred Network Type

Your Preferred Doctor Type

Maximum out-of-pocket limit

Zero Dollar Premium Plans

Maximize Your Benefit® Rx 9

A gym membership through a fitness program

Go365 Humana’s personalized wellness and rewards program

Access to Humana’s mail-order pharmacy

Rides to doctor appointments

Telemedicine – virtual doctor visits from your phone or computer

Worldwide Emergency Coverage

Meal delivery after an inpatient overnighthospital stay

An allowance to spend like cash for over-the-counter medications

  • Added convenience

    All Humana Medicare Advantage Plans are designed with your convenience in mind

  • Robust plans

    Unlike Original Medicare, Medicare Advantage plans combine all your coverage in one, so you’ll only have to manage a single plan.

  • Virtually no claims to file

    Humana pays your doctors and hospitals directly.

Congrats! You’ve completed Step 5!

Next Step

Step 6: Make an Educated Decision

Let’s find your plan, however you prefer

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One to one support

Enroll with a licensed sales agent right over the phone.

1-844-882-7607

TTY:771

5 AM – 8 PM, daily

Local licensed sales agents you can trust

Meet with your local Humana MarketPoint® licensed sales agent.

Schedule an Appointment

Virtually or in person

Click the step you’d like to visit below

Click the step you’d like to visit below

  •

    Prepare for Enrollment

  •

    Review Cost and Coverage

  •

    Understand Coverage Gaps

  •

    Explore Medicare Advantage

  •

    Evaluate Your Options

  •

    Make an Educated Decision

1A Snapshot of Sources of Coverage Among Medicare Beneficiaries" 2023 Medicare Advantage| KFF.org, https://www.kff.org/medicare/issue-brief/a-snapshot-of-sources-of-coverage-among-medicare-beneficiaries.

2These basic VA Medical Benefits do not include Tricare for Life/ChampVA.

Plans not available in all areas. Costs, coverage, and benefits vary by location.

This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional.

Humana is a Medicare Advantage HMO, PPO and PFFS organization and a stand-alone prescription drug plan with a Medicare contract. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in any Humana plan depends on contract renewal.

Humana Inc. and its subsidiaries (collectively, “Humana”) comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. Humana does not exclude people or treat them differently because of race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion. We also provide free language interpreter services. See our full accessibility rights information and language options.

Florida residents: FL Dual-Eligible Special Needs Plans are sponsored by Humana Medical Plan, Inc. and the State of Florida, Agency For Health Care Administration.

Tennessee residents: NOTICE: TennCare is not responsible for payment for these benefits, except for appropriate cost sharing amounts. TennCare is not responsible for guaranteeing the availability or quality of these benefits. Any reference to more, extra, or additional Medicare benefits, is applicable to Medicare only and does not indicate increased Medicaid benefits.

Ohio residents: For the Humana Cleveland Clinic Preferred HMO and D-SNP plans, other ancillary providers such as labs and durable medical equipment suppliers, and pharmacies are available in our network.

Limitations on virtual visit healthcare and prescription services delivered via remote access technology and communications vary by state. Virtual visit services are not a substitute for emergency care and are not intended to replace your primary care provider or other providers in your network. This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional.

Out-of-network/non-contracted providers are under no obligation to treat Humana members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

The Humana USAA Honor Giveback plans are available to anyone eligible for Medicare and veterans should consider all of their health plan options.

The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay for Part B.

The Humana Premier RX Plan (PDP) and the Humana Value RX Plan (PDP) Prescription Drug Plan pharmacy networks include limited lower-cost, preferred pharmacies in urban areas of AR, CT, DE, IA, IN, KY, MA, MI, MN, MO, ND, NJ, NY, OH, RI, SD, TN, WI, WV; suburban areas of CT, DE, HI, IN, MA, MI, MN, MT, ND, NJ, NY, OH, PA, PR, RI, WI, WV; and rural areas of IA, MN, MT, ND, NE, SD, VT, WY. There are an extremely limited number of preferred cost share pharmacies in urban areas in the following states: DE, MI, MN, ND; suburban areas of MT and ND; and rural areas of ND. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call Customer Care at 1-800-281-6918 (TTY: 711) or consult the online pharmacy directory at Humana.com.

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Last updated: 10/3/2024