Humana Medicare Advantage Plans 2025: Coverage Options & Costs Across the USA
Discover Humana's comprehensive Medicare Advantage plans for 2025, including costs, coverage details, and how to enroll. Explore HMO, PPO, PFFS, and SNP plans tailored to your needs.
Medicare Advantage (Part C) plans are privately offered insurance options that combine hospital and medical coverage. In this updated guide, we examine Humana’s Medicare Advantage plans available in 2025.
Choosing a Medicare Advantage plan means selecting the right provider for your health coverage. Humana, a leading for-profit insurer headquartered in Kentucky, is approved by Medicare to offer these plans nationwide.
Humana Medicare Advantage Plans in 2025
Humana’s Medicare Advantage plans are available in 48 states, Washington, D.C., and Puerto Rico in 2025. By federal law, these plans must provide benefits at least equal to Original Medicare, including hospital stays, medical services, and preventive care like annual screenings and vaccinations.
Many Humana plans also include extra perks that go beyond standard Medicare coverage. Availability and pricing vary by location, so it’s important to review plans specific to your area.
Humana’s Medicare Advantage plan types include:
- HMO (Health Maintenance Organization): These plans typically have lower premiums and offer additional benefits such as dental care, Silver Sneakers fitness programs, and prescription drug coverage. Specialist visits require referrals from your primary care physician.
- PPO (Preferred Provider Organization): PPO plans provide flexibility to see any Medicare-approved provider without referrals. They often include similar extra benefits as HMO plans but may come with higher premiums.
- PFFS (Private Fee-for-Service): Available in select areas, PFFS plans allow Humana to set payment rates for providers. You must confirm that your healthcare providers accept the plan on a case-by-case basis.
- SNP (Special Needs Plans): Designed for individuals with specific health conditions or living situations, SNPs often have no copays or premiums and include additional services like dental, vision, hearing, and transportation.
Humana Part D Prescription Drug Plans
In 2025, Humana introduces a $2,000 maximum out-of-pocket limit for prescription drugs. After reaching this threshold, catastrophic coverage kicks in, eliminating further out-of-pocket costs for covered medications and closing the “donut hole.”
Humana offers three Part D plans to help manage prescription costs:
- Humana Value Rx Plan: Focused on affordable coverage for generic drugs with no copays for Tier 1 and Tier 2 prescriptions at preferred pharmacies.
- Humana Premier Rx Plan: The most extensive coverage, including over 3,700 drugs with a $0 deductible.
- Humana Basic Rx Plan: Ideal for those eligible for Extra Help, offering basic coverage and preferred mail-order pharmacy access.
Humana Medigap Supplement Plans
Humana’s Medigap plans help cover out-of-pocket costs like coinsurance, deductibles, and copayments that Original Medicare doesn’t cover. In 2025, Humana offers eight standardized Medigap options: Plans A, B, C, F, G, K, L, and N.
While benefits are standardized across insurers, pricing and customer service vary. Comparing Humana’s offerings with competitors can help you find the best value.
Humana Medicare Advantage Plan Costs in 2025
Costs for Humana Medicare Advantage plans depend on your state, coverage level, and included benefits such as dental, hearing, and vision. Use Medicare.gov’s plan finder tool by entering your ZIP code to view available options.
Here are sample costs for Humana Medicare Advantage plans in 2025 across various cities:
| Location / Plan | Monthly Premium | Health Deductible | Drug Deductible | Max Out-of-Pocket | Primary Care Visit | Specialist Visit |
|---|---|---|---|---|---|---|
| Portland, OR: Humana Gold Plus H1036-153 (HMO) | $0 | $0 | $100 | $6,750 (in-network) | $0 copay | $40 copay |
| Flagstaff, AZ: Humana USAA Honor Giveback (PPO) | $0 | $0 | $100 | $8,500 (in/out-network) $4,900 (in-network) | $20 copay | $45 copay |
| Tulsa, OK: Humana Gold Plus H6622-033 (HMO) | $0 | $300 | $200 | $4,200 (in-network) | $0 copay | $30 copay |
| Daytona Beach, FL: Humana USAA Honor Giveback (PPO) | $101 | $0 | $200 | $8,000 (in/out-network) $6,000 (in-network) | $0 copay | $50 copay |
| Brooklyn, NY: Humana Gold Plus H3533-035 (HMO) | $36.20 | $350 | $400 | $9,350 (in-network) | $0 | $45 |
Common Questions About Humana Medicare Advantage
What are the drawbacks of Medicare Advantage plans?
While Medicare Advantage plans provide additional benefits beyond Original Medicare, they may have limitations such as restricted provider networks, prior authorization requirements, and varying out-of-pocket costs depending on your plan and location.
What extra coverage does Humana offer for Medicare beneficiaries?
Humana’s plans often include extras like vision, dental, prescription drug coverage, home healthcare, and fitness programs, enhancing the standard Medicare benefits.
Final Thoughts
Humana’s Medicare Advantage plans for 2025 deliver extensive coverage options across most of the United States. These plans guarantee at least the same benefits as Original Medicare, often adding valuable extras like dental, vision, and drug coverage. Plan availability and costs depend on your ZIP code, so it’s essential to compare options carefully to find the plan that best fits your health needs and budget.
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