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

Make an Educated Decision

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Congrats! You’re prepared to pick a plan.

Put that knowledge to good use and enroll however you prefer—let’s find your plan!

Choose your plan card1

Guidance to do it yourself

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

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One to one support

Enroll with an expert, right over the phone.

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Local licensed sales agents you can trust

Meet with your local licensed Humana MarketPoint sales agent.

Virtually or in person


What to expect

Select a tab to read up on exactly how each enrollment process works

One on one support

Enroll with a licensed Humana sales agent right over the phone

  1. Talk to a licensed Humana Medicare agent to get expert advice on plans in your area.

  2. They’ll determine your enrollment eligibility.

  3. They’ll ask you the right questions to help pinpoint a plan that best suits your needs.

  4. Once you pick a plan, they’ll walk you through enrollment and help you end any existing coverage you don’t need.

  5. You’ll get access to their direct line, so you can call for any future questions. 
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Guidance to do it yourself

Local agents you can trust

Enroll with a licensed Humana sales agent right over the phone

  1. Talk to a licensed Humana Medicare agent to get expert advice on plans in your area.

  2. They’ll determine your enrollment eligibility.

  3. They’ll ask you the right questions to help pinpoint a plan that best suits your needs.

  4. Once you pick a plan, they’ll walk you through enrollment and help you end any existing coverage you don’t need.

  5. You’ll get access to their direct line, so you can call for any future questions. 
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What to have on hand

Be ready with the following information to help our agents find the best plan for you.
Badge

Your red, white, and blue Medicare ID card (don’t worry if you don’t have it yet, we can get started without it)

Your red, white, and blue Medicare ID card (don’t worry if you don’t have it yet, we can get started without it)

Medicine Bottle

A list of your current medications

A list of your current medications

doctor

The names of your doctors and specialists and your preferred hospitals and pharmacies

The names of your doctors and specialists and your preferred hospitals and pharmacies

Heart

The current coverage you’re on, or are eligible for, including basic VA medical benefits, Medicaid, Extra Help, Tricare for Life/ChampVA, or a group or retirement policy

The current coverage you’re on, or are eligible for, including basic VA medical benefits, Medicaid, Extra Help, Tricare for Life/ChampVA, or a group or retirement policy

Calendar

Helpful, but not required, is a list of benefits and features you’re looking for in your plan

Helpful, but not required, is a list of benefits and features you’re looking for in your plan

Congrats! You’ve completed your Medicare Decision Guide!

Next Step: Choose a plan with confidence

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.

 

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 Dual Eligible Special Needs [HMO SNP, PPO SNP] 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.

 

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 CT, DE, IA, IN, KY, MA, ME, MI, MN, MO, ND, NJ, NY, OH, RI, SD, WI, WV; suburban areas of CT, DE, HI, IN, MA, MI, MN, MS, MT, ND, NH, NJ, NY, OH, PA, 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.

 

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. Humana is a D-SNP with a Florida Medicaid Contract.  The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the D-SNP. Limitations, copayments and/or restrictions may apply. [Benefits, formulary, pharmacy network, premium and/or copayments/co-insurance] may change.

 

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.

 

Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP) is only available for residents in the Qualified Medicare Beneficiary (QMB) Only Program without other Medicaid.

 

FOR FLORIDA: Humana is a D-SNP with a Florida Medicaid Contract.  The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the D-SNP. Limitations, copayments and/or restrictions may apply. [Benefits, formulary, pharmacy network, premium and/or copayments/co-insurance] may change.

 

Humana Insurance Company pays royalty fees to USAA for the use of its intellectual property. USAA means United Services Automobile Association and its affiliates. Use of the term “USAA member” or “USAA membership” refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. USAA and the USAA Logo are registered trademarks of the United Services Automobile Association. All rights reserved. No Department of Defense or government agency endorsement.

 

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.

 

The Part B Giveback benefit pays part of your Part B premium and the amount may change based on the amount you pay for Part B. It may take several months before the giveback appears in your social security check.

 

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.

 

Rewards must be earned and redeemed within the same plan year. Rewards not redeemed before Dec. 31st will be forfeited.

 

Other Pharmacies/Physicians/Providers are available in our network. 

 

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Last updated: 10/01/2026