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

Evaluate Your Options

Text Size
Print

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.

logo

Humana Gold Plus

HMO Plans

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
MEMBER NAME:: Member ID:: XXXXXXCard Issued:: MM/DD/YYYY

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
logo

Humana Gold Plus

D-SNP Plans

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
MEMBER NAME:: Member ID:: XXXXXXCard Issued:: MM/DD/YYYY

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
logo

Humana Gold Plus

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
MEMBER NAME:: Member ID:: XXXXXXCard Issued:: MM/DD/YYYY

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
logo

Humana Gold Plus

PPO Plans

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
MEMBER NAME:: Member ID:: XXXXXXCard Issued:: MM/DD/YYYY

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
logo

Humana Gold Plus

PDP

A standalone plan for affordable prescription drugs

Save on monthly costs and copays when paying for your prescriptions

How it works
MEMBER NAME:: Member ID:: XXXXXXCard Issued:: MM/DD/YYYY

A standalone plan for affordable prescription drugs

Save on monthly costs and copays when paying for your prescriptions

How it works

What’s covered on all Humana plans?

hospital
1:Hospital Stays
doctor
2:Doctor and specialist visits – including telehealth
 vaccines
3:Preventive care and vaccines
moniter
4:Lab work, X-rays, screenings, and imaging
kit
5:Outpatient care and procedures
car
6:Emergency transportation
blood-sugar
7:Medicare supplies and equipment

Which to choose: HMO vs. PPO?

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

alt-text-image

HMO

alt-text-image

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 MoreShow Less

alt-text-image

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

Congrats! You’ve completed Step 1!

Next Step: Step 6: Make an Educated Decision

Let’s find your plan, however you prefer

Choose your plan card1

Choose a plan yourself

Compare plans and enroll online. We'll guide you along the way.

choose-your-plan-card

One to one support

Enroll with an expert, right over the phone.

TTY:711
8am - 8pm, Mon - Frii
choose-your-plan-card3

Local licensed sales agents you can trust

Meet with your local Humana MarketPoint® licensed sales agent.

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.

Y0040_GHHM9Y3EN_M

Last updated: 4/12/2025