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Prepare for Enrollment
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Evaluate Your Options
Make an Educated Decision
Explore Medicare Advantage
With these plans you’ll enjoy the security of Original Medicare, plus additional coverage and valuable added benefits, all for an affordable or even $0 monthly premium in some areas.
5 Reasons to choose a Medicare Advantage plan
1. Peace of Mind
Medicare Advantage plans come with a limit on out-of-pocket costs, which can make it easier to budget your healthcare expenses more effectively.
Once you reach the limit, your plan pays the remaining covered expenses. So there’s no need to worry about any surprises in your bank account.
2. More Coverage
Unlike Original Medicare, these plans cover additional important health needs.
These plans often include coverage for an annual routine exam and may include a yearly allowance toward glasses or contacts, cover annual vision exams, a yearly allowance toward glasses or contacts, and a frame allowance for 12-24 months.
Many plans cover routine dental care, such as cleanings, exams, and x-rays. Some plans even include coverage for comprehensive dental procedures.
Some plans offer programs that help to coordinate exams, answer care-related questions, discuss health changes, and help you live more independently at home.
Some plans include coverage for hearing aid devices, audiologist visits and ongoing fittings and exams, depending on the plan you choose.
Most plans include built in coverage for your medications for one low premium
3. Extra Benefits
Here are just a handful of the benefits that Humana plans offer.
Money back on Part B premiumWhen you enroll in one of our Part B Reduction plans, Humana will help cover a portion of your Part B premium in the form of a credit on your social security check.
When you enroll in one of our Part B Reduction plans, Humana will help cover a portion of your Part B premium in the form of a credit on your social security check.
Go365™ rewards program - Get access to this personalized wellness program that helps you earn rewards for participating in healthy activities like workouts, preventive exams, and more.
Get access to this personalized wellness program that helps you earn rewards for participating in healthy activities like workouts, preventive exams, and more.
SilverSneakers® - Become a member of a fitness program that offers free access to more than 16,000 fitness centers nationwide.
Become a member of a fitness program that offers free access to more than 16,000 fitness centers nationwide.
Home delivered meals - We make it easier to eat well when you’re facing a health challenge with meals dropped off by Humana Well Dine®.
We make it easier to eat well when you’re facing a health challenge with meals dropped off by Humana Well Dine®.
Over-the-counter allowance When you select a plan with this benefit you’ll get a set amount, in many cases $50 dollars or more per month/quarter.
When you select a plan with this benefit you’ll get a set amount, in many cases $50 dollars or more per month/quarter.
Rides to appointments Enjoy the convenience that comes with getting a free lift to your doctor’s appointments, procedures, and local pharmacy.
Enjoy the convenience that comes with getting a free lift to your doctor’s appointments, procedures, and local pharmacy.
Telehealth visits
Get coverage for virtual visits with your doctors right from your phone or computer.
Get coverage for virtual visits with your doctors right from your phone or computer.
Plus many additional benefits!
4. Affordability
There are a variety of ways you can save by enrolling in a Medicare Advantage plan.
Low deductibles and affordable copays
Choose from plans with monthly premiums and copays both as low as $0, and generic drugs for as low as $1 at in-network pharmacies.
Automatic savings alerts
Get notified when your meds are available for lower costs with the Maximize Your Benefit Rx, a program designed to help you save on high-cost prescriptions.
Access to Mail-order pharmacies
Experience the convenience of a full-service pharmacy that delivers medications right to your door as well as significant savings on certain medications. You’ll get a 90-day supply of your medications for as little as $0 (after deductible, if applicable.
Medication Therapy Management (MTM)
Meet one-on-one with a doctor or pharmacist to learn more about your medicines and how they work, ask questions about side effects or interactions with other medications and look for opportunities to lower your costs.
Frequently asked questions about Humana Medicare Advantage
Humana Medicare Advantage plans are designed with your convenience in mind.
- All-in-one plans – Unlike your other options, Medicare Advantage Prescription Drug plans combine all your coverage in one, so you’ll only have to worry about managing a single plan.
- Virtually no claims to file – Humana pays your doctors and hospitals directly so there is virtually no paperwork.
- A single plan ID card - Your Humana Medicare Advantage Plan ID card is the only card you'll need to show at time of care.
- Award winning customer service.
- MyHumana 24/7 online access - Register for MyHumana for easy access to information about your coverage, claims, in-network providers, drug costs and more at your fingertips any time you need it.
With Medicare Advantage plans, rather than pay your medical bills directly, the federal government contracts with Humana to administer your Medicare coverage. They pay us a flat fee. Then we go to work keeping healthcare more affordable so we can pass those savings on to our members in the form of lower costs and added benefits. Humana offers $0 plans in most areas, and in many areas, you will find both $0 HMO and PPO plan options.
So what’s the catch? Of course, no Medicare plan is completely free. You may still be responsible for paying deductibles and copays for covered services as well as your Part B Medicare premium, which is typically deducted from your social security check each month.
We know how important it is to be able to see the doctors and specialists you trust. That’s why we’ve built one of the largest networks of doctors, hospitals, and pharmacies in the U.S.
- Doctors and Specialists – we’ve partnered with many of the nation’s largest hospital systems, specialists, clinics, and primary care providers so you can continue to see the doctors you use today and feel assured you’ll have access to high-quality care should your needs change in the future.
- No Referrals – On all Humana Medicare Advantage PPO plans and HMO premier network plans you won’t need a referral to see an in-network specialist or hospital.
- Dentist – with more than 407,000 dentist locations, it’s easy to find a plan that partners with a dentist near you – whether you’re at home or away.
- Worldwide Emergency Coverage – in a true emergency, your emergency care services will be covered no matter where you are when you need them.
Confirm Your Doctors and Specialists are in-Network
- Shop Humana plans that accept your doctors and specialists in three easy steps.
- Enter the doctors, specialists, and hospitals you want to use
Compare plans and confirm they are in network. - Call or enroll online
Here are just a few of the ways we’re helping our members save on their prescriptions.
- Low deductibles and affordable copays – Choose from plans with $0 deductibles and copays as low as $0 - $1 for many covered generic drugs at network pharmacies. Plus, Humana’s broad coverage means there won’t be any surprises at the pharmacy.
- Automatic Savings Alerts - Get notified when your medications are available at lower costs with the Maximize Your Benefit® Rx. A program designed to help you save on high-cost medications. It tells you when a less expensive alternative to the medication you’re taking is available, so you and your doctor can decide if switching makes sense for you.
- Mail-Order Pharmacy - Most Humana Medicare Advantage plans include access to a convenient full-service mail-order pharmacy with potential savings on certain medications. You’ll get a 90 day supply of your medications shipped directly to your door for as little as $0 (after deductible, if applicable).
- Medication Therapy Management (MTM) - If you’re taking a number of medications prescribed by more than one doctor, you may be eligible. Through this program, you can meet one-on-one with a doctor or pharmacist to learn more about your medicines and how they work, ask questions about side effects or interactions with other medications and look for opportunities to lower your costs.
We’re committed to helping you find alternatives to expensive medications.
Whether you’re just shopping plans, or already a member, we want to help you with one-on-one support. Give us a call.
Together we’ll review your current medication list, walk through plans that may lower your costs, explore available generic versions, determine if you qualify for “Extra Help”, and connect you to discount programs that may help you save even more.
Prefer to stay online? Try our NEW interactive drug-priceing tool.
See your costs before you enroll. Enter your prescriptions to find out what they will cost on each plan.
- Add your Prescription drug information
- Compare plans and see your medication cost
- Call a licensed sales agent or enroll online
We focus on what it really means to take care of people. Because your health matters most.
When you’re a Humana member, you’re part of our team. Our team includes nurses and pharmacists, care managers and community experts. Humana works in partnership with you, your caregivers, and your doctors to help you get the proactive, holistic care you need - no matter what life brings.
Personal Care Mangers to Help Ease Your Transition Home
Care managers who help ensure you have a smooth transition back home after complex procedures and hospitalizations. Regularly checking up on your recovery over the phone or video and connecting you to the support you need. Like, free transportation to follow-up appointments and therapy, sending meals to your home, or even in home checks to ensure you can access what you need and properly care for yourself while avoiding re-injury.
Resources for caregivers
If you're caring for someone, you don't have to go it alone. As a designated caregiver who has been granted authorization to your loved one’s personal health information, you can access his or her medical information and learn about free support services like the caregiver's toolkit with tips for managing day-to-day challenges.
Make medications easier
We help to ensure you are taking your medications as prescribed and monitor for potential adverse reactions before they occur through programs like RxMentor® - a complete, up-to-date list of your medications and medication reminders. Plus live support over phone or chat when you need it.
Community Health Experts
Our members are at the center of our efforts to provide care for the whole person. We work with organizations at the national and local levels to create the most effective solutions for our members and the communities we serve. Together we’re focused on addressing issues of loneliness, housing, food insecurity, and access to transportation among other things.
Step 5: Evaluate Your Options
Step 5: Evaluate Your Options
Let’s find your plan, however you prefer
Choose a plan yourself
Compare plans and enroll online. We'll guide you along the way.
One to one support
Enroll with an expert, right over the phone.
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
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.
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: 4/12/2025