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What You Will Learn — Humana Medicare Advantage Plans 2026

• What Humana Medicare Advantage plans are available in 2026
• How much Humana Medicare Advantage plans cost in 2026
• What Humana Medicare Advantage plans cover in 2026
• Humana Medicare Advantage HMO vs PPO plans
• Humana Medicare Advantage star ratings 2026
• Pros and cons of Humana Medicare Advantage plans
• How Humana Medicare Advantage compares to other insurers
• How to enroll in Humana Medicare Advantage plans 2026
• Frequently asked questions about Humana Medicare Advantage plans 2026

What Are Humana Medicare Advantage Plans?

Humana Medicare Advantage plans are private health insurance plans offered by Humana Inc that replace your Original Medicare coverage. When you enroll in a Humana Medicare Advantage plan Humana delivers all your Medicare Part A and Part B benefits plus usually additional benefits like dental, vision, hearing, and prescription drug coverage.

Humana Medicare Advantage plans are approved and regulated by Medicare. This means Humana Medicare Advantage plans must cover everything Original Medicare covers and are subject to strict federal guidelines on costs and coverage. Humana Medicare Advantage plans receive star ratings from Medicare every year based on quality of care and customer satisfaction.

Humana is one of the largest Medicare Advantage providers in the United States. Humana Medicare Advantage plans are available in all 50 states and serve millions of Medicare beneficiaries nationwide. Humana has been offering Medicare Advantage plans since the program began making it one of the most experienced Medicare Advantage providers in the country.

Types of Humana Medicare Advantage Plans in 2026

Humana offers several types of Medicare Advantage plans in 2026. Understanding the different types of Humana Medicare Advantage plans helps you choose the right option for your situation.

Humana Medicare Advantage HMO Plans

Humana Medicare Advantage HMO plans — Health Maintenance Organization plans — require you to use a network of local doctors and hospitals. With Humana Medicare Advantage HMO plans you choose a primary care doctor who coordinates your care and provides referrals to specialists. Humana Medicare Advantage HMO plans typically have lower monthly premiums and lower out-of-pocket costs than PPO plans.

Humana Medicare Advantage HMO plans include:

• Humana Gold Plus HMO — Humana’s flagship HMO plan with comprehensive benefits
• Humana Value HMO — Lower premium option with essential coverage
• Humana Gold Plus H5619 — Popular HMO plan available in many markets

Humana Medicare Advantage PPO Plans

Humana Medicare Advantage PPO plans — Preferred Provider Organization plans — give you more flexibility to see doctors and hospitals both inside and outside the Humana network. With Humana Medicare Advantage PPO plans you pay less when you use in-network providers but can still see out-of-network providers at higher cost. No referrals are required for specialists.

Humana Medicare Advantage PPO plans include:

• Humana Choice PPO — Humana’s most flexible plan option
• Humana Gold Choice PPO — Comprehensive PPO with broad network access
• Humana Regional PPO — Available in specific geographic regions

Humana Medicare Advantage HMO-POS Plans

Humana Medicare Advantage HMO-POS plans — Point of Service plans — combine HMO and PPO features. You have a primary network like an HMO but can see out-of-network providers for certain services at higher cost. Humana Medicare Advantage HMO-POS plans offer a middle ground between HMO affordability and PPO flexibility.

Humana Medicare Advantage Special Needs Plans

Humana Medicare Advantage Special Needs Plans — SNPs — are designed for people with specific health conditions or circumstances. Humana offers several types of Special Needs Plans including:

• Chronic Condition SNPs — for people with specific chronic conditions like diabetes or heart disease
• Dual Eligible SNPs — for people with both Medicare and Medicaid
• Institutional SNPs — for people living in nursing facilities

Humana Medicare Advantage Plans Cost 2026

How much do Humana Medicare Advantage plans cost in 2026? Humana Medicare Advantage plan costs vary significantly by location, plan type, and the specific plan you choose. Here is a general overview of Humana Medicare Advantage plan costs in 2026:

Humana Medicare Advantage Monthly Premium 2026

Many Humana Medicare Advantage plans offer $0 monthly premium in 2026 — meaning you pay nothing beyond your standard Medicare Part B premium of $185.00 per month. However some Humana Medicare Advantage plans charge an additional monthly premium ranging from $0 to $100 or more depending on the plan and location.

The total monthly cost for a Humana Medicare Advantage plan with $0 additional premium in 2026:

• Medicare Part B premium — $185.00 per month
• Humana Medicare Advantage plan premium — $0
• Total monthly cost — $185.00 per month

Humana Medicare Advantage Deductible 2026

Many Humana Medicare Advantage plans have $0 medical deductible in 2026 — meaning you start paying copays immediately without first meeting a deductible. Some Humana Medicare Advantage plans have deductibles ranging from $100 to $500 for certain services.

Humana Medicare Advantage Copays 2026

Humana Medicare Advantage plans charge copays for services rather than the 20% coinsurance of Original Medicare. Typical Humana Medicare Advantage copays in 2026:

• Primary care doctor visit — $0 to $15 per visit
• Specialist visit — $20 to $50 per visit
• Urgent care visit — $40 to $90 per visit
• Emergency room visit — $90 to $150 per visit
• Inpatient hospital stay — $200 to $500 per day

Humana Medicare Advantage Out-of-Pocket Maximum 2026

All Humana Medicare Advantage plans include an annual out-of-pocket maximum in 2026. The maximum out-of-pocket limit for Humana Medicare Advantage in-network services is $9,350 in 2026. Once you reach this limit Humana Medicare Advantage covers 100% of your covered in-network healthcare costs for the rest of the year.

This out-of-pocket maximum is one of the most important protections Humana Medicare Advantage plans offer over Original Medicare which has no out-of-pocket maximum.

Humana Medicare Advantage Extra Benefits 2026

One of the biggest reasons seniors choose Humana Medicare Advantage plans is the extra benefits beyond what Original Medicare covers. Humana Medicare Advantage plans typically include these extra benefits in 2026:

Dental Coverage

Most Humana Medicare Advantage plans include dental coverage in 2026. Humana Medicare Advantage dental benefits typically include:

• Preventive dental care — exams, cleanings, and X-rays — usually fully covered
• Basic restorative care — fillings and simple extractions
• Annual dental benefit maximum — typically $1,000 to $2,500
• Some Humana Medicare Advantage plans offer enhanced dental with higher limits

Vision Coverage

Humana Medicare Advantage plans typically include vision coverage in 2026:

• Annual routine eye exam — usually fully covered
• Eyeglass or contact lens allowance — typically $100 to $300 per year
• Some Humana Medicare Advantage plans offer higher vision allowances

Hearing Coverage

Humana Medicare Advantage plans typically include hearing benefits in 2026:

• Annual hearing exam — usually covered
• Hearing aid allowance — typically $500 to $2,500 per pair
• Some Humana Medicare Advantage plans offer higher hearing aid allowances

Prescription Drug Coverage

Most Humana Medicare Advantage plans include Medicare Part D prescription drug coverage in 2026 at no additional premium. Humana Medicare Advantage drug coverage includes:

• Coverage for generic and brand-name medications
• Annual drug out-of-pocket maximum of $2,000 in 2026
• Insulin cap of $35 per month per insulin product

Fitness Benefits

Many Humana Medicare Advantage plans include fitness benefits in 2026. Humana SilverSneakers membership is available through many Humana Medicare Advantage plans — giving you free access to thousands of fitness facilities nationwide.

Over-the-Counter Allowance

Many Humana Medicare Advantage plans include an over-the-counter (OTC) allowance in 2026 — a quarterly or annual credit you can use to purchase health-related OTC products like vitamins, pain relievers, and first aid supplies. OTC allowances with Humana Medicare Advantage plans typically range from $25 to $150 per quarter.

Transportation Benefits

Some Humana Medicare Advantage plans include transportation benefits — covering rides to and from medical appointments. This benefit is particularly valuable for seniors who do not drive.

Telehealth Services

Humana Medicare Advantage plans include telehealth access in 2026 — allowing you to see a doctor virtually from home for many non-emergency medical needs.

Humana Medicare Advantage Star Ratings 2026

Medicare gives every Medicare Advantage plan a star rating from 1 to 5 stars based on quality of care, customer service, and member satisfaction. Higher star ratings indicate better quality plans.

Humana Medicare Advantage star ratings vary by specific plan and location. In 2026 many Humana Medicare Advantage plans have earned 3.5 to 4 star ratings from Medicare. Some Humana Medicare Advantage plans in specific markets have earned 4 and 4.5 star ratings.

You can check the current star rating for specific Humana Medicare Advantage plans in your area by visiting Medicare.gov plan finder and filtering by plan name and location.

Plans with 4 or 5 star ratings from Medicare qualify for the Medicare 5-Star Special Enrollment Period — meaning you can switch to a 5-star plan at any time during the year outside of the standard Open Enrollment Period.

Humana Medicare Advantage Pros and Cons 2026

Humana Medicare Advantage Pros

• Low or $0 monthly premiums on many plans beyond the standard Part B premium
• Annual out-of-pocket maximum of $9,350 protects against catastrophic costs
• Dental, vision, and hearing benefits usually included
• Prescription drug coverage usually included
• SilverSneakers fitness benefit available on many plans
• Over-the-counter product allowance on many plans
• Telehealth access included
• One of the largest Medicare Advantage networks in the country
• Available in all 50 states
• Experienced Medicare Advantage provider with strong customer service

Humana Medicare Advantage Cons

• Restricted to Humana’s network of local doctors and hospitals
• Referrals required for specialists on HMO plans
• Prior authorization required for some procedures and treatments
• Coverage varies significantly by zip code
• Plan benefits and costs can change every year
• Limited coverage when traveling outside your plan’s service area
• Some Humana Medicare Advantage plans have received below-average star ratings in certain markets

How Humana Medicare Advantage Compares to Competitors 2026

Feature	Humana	UnitedHealthcare	Aetna	Cigna
National availability	All 50 states	All 50 states	Most states	Select states
$0 premium plans	Many markets	Many markets	Many markets	Some markets
Dental coverage	Most plans	Most plans	Most plans	Most plans
SilverSneakers	Included	Included	Some plans	Some plans
Star rating average	3.5-4 stars	3.5-4.5 stars	3.5-4 stars	3.5-4 stars
OTC allowance	Most plans	Most plans	Most plans	Some plans

Humana Medicare Advantage plans are competitive with other major Medicare Advantage providers. UnitedHealthcare has a slight edge in average star ratings in some markets. Aetna and Humana are generally comparable. The best choice depends entirely on which plans are available in your specific zip code and which doctors are in each plan’s network.

How to Enroll in Humana Medicare Advantage Plans 2026

You can enroll in Humana Medicare Advantage plans during these enrollment periods:

Initial Enrollment Period When you first become eligible for Medicare — the 7-month window around your 65th birthday. This is the best time to enroll in Humana Medicare Advantage plans.

Annual Open Enrollment Period October 15 to December 7 each year. You can switch to a Humana Medicare Advantage plan or change your existing Humana plan during this period. Changes take effect January 1.

Medicare Advantage Open Enrollment Period January 1 to March 31. If you are already enrolled in a Medicare Advantage plan you can switch to a different plan including Humana Medicare Advantage during this period.

Special Enrollment Periods Certain life events qualify you for a Special Enrollment Period to enroll in Humana Medicare Advantage outside the standard windows.

How to enroll in Humana Medicare Advantage plans:

• Online at Humana.com
• By phone — call Humana at 1-800-457-4708
• Through a licensed Medicare insurance agent or broker
• Through Medicare.gov plan finder

Before enrolling always confirm that your preferred doctors and hospitals are in the Humana Medicare Advantage plan’s network in your zip code.

Frequently Asked Questions — Humana Medicare Advantage Plans 2026

Are Humana Medicare Advantage plans good?

Humana Medicare Advantage plans are generally well-regarded and competitive with other major Medicare Advantage providers. Humana is one of the largest and most experienced Medicare Advantage providers with plans available in all 50 states. Specific Humana Medicare Advantage plan quality varies by location — always check the Medicare star rating for the specific Humana plan in your area before enrolling.

How much do Humana Medicare Advantage plans cost per month in 2026?

Many Humana Medicare Advantage plans have $0 additional monthly premium beyond the standard Part B premium of $185.00 per month. However Humana Medicare Advantage plan costs vary by location and plan type. Some Humana plans charge additional premiums of $20 to $100 per month for more comprehensive coverage. Always compare specific Humana Medicare Advantage plans available in your zip code for accurate 2026 pricing.

Does Humana Medicare Advantage cover dental and vision?

Yes — most Humana Medicare Advantage plans include dental and vision coverage. Humana Medicare Advantage dental benefits typically include preventive care fully covered and restorative care up to an annual maximum of $1,000 to $2,500. Humana Medicare Advantage vision benefits typically include one annual eye exam and an eyeglass or contact lens allowance of $100 to $300 per year.

What is the Humana Medicare Advantage out-of-pocket maximum in 2026?

The maximum out-of-pocket limit for in-network services under Humana Medicare Advantage plans in 2026 is $9,350. Once you reach this limit Humana covers 100% of covered in-network costs for the rest of the year. This is one of the most important financial protections Humana Medicare Advantage offers — Original Medicare has no out-of-pocket maximum.

Does Humana Medicare Advantage include drug coverage?

Most Humana Medicare Advantage plans are Medicare Advantage Prescription Drug plans — also called MAPDs — that include Part D drug coverage at no additional premium. Humana Medicare Advantage drug coverage includes the $2,000 annual out-of-pocket maximum for drugs and the $35 monthly insulin cap. Always verify that your specific medications are covered on the Humana plan’s formulary before enrolling.

Can I keep my doctor with Humana Medicare Advantage?

You can keep your doctor with Humana Medicare Advantage only if your doctor is in the Humana plan’s network. Always confirm that your specific doctors and hospitals accept your specific Humana Medicare Advantage plan before enrolling. Doctor networks vary by plan and location. You can check Humana’s provider directory at Humana.com or call Humana directly at 1-800-457-4708.

What is the difference between Humana Gold Plus and Humana Choice?

Humana Gold Plus is Humana’s flagship HMO plan — it requires you to use in-network providers and get referrals to see specialists but typically has lower copays and premiums. Humana Choice is Humana’s PPO plan — it allows you to see out-of-network providers at higher cost and does not require referrals for specialists. Choose Humana Gold Plus HMO for lower costs or Humana Choice PPO for more flexibility.

How do I find Humana Medicare Advantage plans in my area?

Use the Medicare plan finder at Medicare.gov and enter your zip code to see all Humana Medicare Advantage plans available in your area. You can also visit Humana.com directly or call 1-800-457-4708 to speak with a Humana representative.

Summary — Humana Medicare Advantage Plans 2026

Humana Medicare Advantage plans in 2026 offer competitive coverage with low or $0 monthly premiums, comprehensive dental and vision benefits, prescription drug coverage, fitness benefits, and an annual out-of-pocket maximum that protects you from catastrophic costs. Humana is one of the most experienced and widely available Medicare Advantage providers in the United States.

Whether Humana Medicare Advantage plans are right for you depends on whether your preferred doctors are in Humana’s network in your area, the specific plan benefits available in your zip code, and how you compare Humana Medicare Advantage to other options like UnitedHealthcare, Aetna, and Cigna.

Use the free plan finder at Medicare.gov to compare all Humana Medicare Advantage plans available in your zip code. For free unbiased help comparing Humana Medicare Advantage plans contact your State Health Insurance Assistance Program (SHIP) counselor at shiphelp.org or call Medicare free at 1-800-633-4227.

This guide is for informational purposes only and is not medical or financial advice. Always verify current Humana Medicare Advantage plan details at Medicare.gov and Humana.com before making enrollment decisions.

Sources: Medicare.gov | CMS.gov | Humana.com | AARP.org

Last updated: April 2026 | Author: James Carter, Independent Medicare Research Analyst