Humana Medicare Advantage Plans 2023

Humana Medicare Advantage Plans 2023

Welcome to the ultimate guide on Humana Medicare Advantage Plans for 2023. At insurance, your go-to source for the latest news and trends, we’re here to provide you with in-depth insights into what Humana has to offer in the realm of Medicare Advantage. Whether you’re a seasoned Medicare beneficiary or just starting your journey, read on to discover the key features, benefits, and expert opinions surrounding Humana’s offerings.

Humana Medicare Advantage - Comprehensive Healthcare Coverage
Experience the Benefits of Humana Medicare Advantage Plans

Key Features of Humana Medicare Advantage

Humana, a trusted health insurance provider, stands out with its comprehensive selection of Medicare Advantage plans tailored to the diverse budgets and needs of older adults across the United States. Here are some standout features:

  • Expanded Benefits: Humana goes beyond the basics, offering benefits that encompass medical, vision, and dental care.
  • High Member Satisfaction: According to internal consumer surveys, Humana consistently ranks high in member satisfaction.
  • Excellent Prescription Coverage: Humana’s plans come with robust prescription drug coverage, ensuring you receive the medications you need.

Established in 1961, Humana Inc., headquartered in Louisville, Kentucky, has grown to become the fifth-largest health insurance provider in the U.S. With nearly 9 million Medicare members, including over 5 million enrolled in Medicare Advantage plans, Humana has a significant presence in the healthcare landscape.

Humana Medicare Advantage at a Glance

Plan Options

Humana offers a diverse array of Medicare Advantage plans designed to cater to various beneficiaries. These options include:

  • Health Maintenance Organization (HMO) plans
  • Preferred Provider Organization (PPO) plans
  • Special Needs Plans (SNPs)
  • Private Fee-for-Service (PFFS) plans

Provider Network

The availability of providers varies based on your location. For instance, in Pittsburgh, there are 224 family doctor providers contracted with Humana. The provider network is a crucial consideration when selecting your plan.

Average Monthly Premium

While Humana provides several plans with $0 monthly premiums, the average premium for 2023 hovers around $18 per month. Your choice depends on your budget and healthcare needs.

How Does Humana Medicare Advantage Work?

Humana’s Medicare Advantage plans operate on regional networks, each with its unique set of providers, specialists, and pharmacists. Here’s a breakdown of the plan options:

  • HMO Plans: These plans allow you to select a doctor from the Humana provider network. Importantly, you have the flexibility to switch providers as needed. Most Humana HMO plans also include prescription coverage and offer additional benefits like hearing, vision, and dental care.
  • PPO Plans: If you prefer flexibility in choosing your healthcare providers, a Humana PPO plan might be the right fit. It’s ideal for individuals with specific specialists or preferred physicians.
  • SNP Plans: Specifically designed for individuals who are living with chronic health conditions, dually eligible for Medicare and Medicaid, or residing in long-term care facilities, Humana SNPs provide tailored support. They come in two types: Chronic Condition Special Needs Plans and Dual-Eligible Special Needs Plans, available in select U.S. states.

The availability of plans depends on your ZIP code, with variations in coverage from one location to another. For example, residents in the Boston area (ZIP code 02108) can choose from seven Medicare Advantage plans, while those in Hillsborough County, Florida (ZIP code 33647), have access to 16 options.

Humana’s commitment to expanding its network means you can shop for plans based on “in network” providers on their website.

Each Humana Medicare Advantage plan also includes additional benefits such as:

  • Insulin savings programs
  • Over-the-counter allowances
  • SilverSneakers fitness programs
  • Meal delivery services
  • Healthy foods card for approved purchases
  • Part B giveback, covering some or all of your Part B monthly premium
  • Transportation assistance
  • Wigs for chemotherapy patients

How Much Does Humana Medicare Advantage Cost?

To help you make an informed decision, let’s take a closer look at different locations and plan options, including monthly premiums, out-of-pocket expenses, and covered benefits.

The Fine Print

It’s important to note that Humana Medicare Advantage plans with $0 monthly premiums may be limited to specific areas. Additionally, Honor plans supplement VA coverage for veterans to ensure they can access necessary care.

What Experts Say About Humana

John Freitag, an independent insurance broker at Freitag Family Agency in Pennsylvania, shares his insights:

“In my experience, many people who have Humana are satisfied with the coverage and tend to want to keep their plan.”

He highlights the value of Medicare Advantage plans, stating that they help control costs that traditional Medicare Parts A and B alone don’t cover. “Medicare alone only covers 80% of health care costs, leaving you vulnerable to large bills with no limit,” Freitag explains. Moreover, many Medicare Advantage plans, including Humana’s, offer prescription drug coverage, vision, dental, and hearing benefits.

Freitag also emphasizes Humana’s strength in prescription benefits, especially for hard-to-cover drugs.

Important Information

  • Is Humana Medicare Advantage the same as Medicare?
    • According to, “Medicare Advantage is a type of Medicare health plan offered by a private company that contracts with Medicare. These plans include Part A, Part B, and usually Part D. Plans may offer some extra benefits that Original Medicare doesn’t cover.” Humana is a Medicare Advantage plan provider.
  • Is Humana Medicare considered an Advantage plan?
    • Freitag clarifies, “Humana offers Medicare Advantage plans, Medicare Supplement plans, and standalone [Medicare] Part D drug plans.”
  • What are the downsides of a Medicare Advantage plan?
    • While Medicare Advantage plans offer numerous benefits, there are potential downsides. These plans often restrict you to a network of contracted providers, which can result in higher costs when using out-of-network services. Additionally, certain services and treatments may require preapproval, and switching plans is generally limited to specific enrollment periods.

      Humana Medicare Advantage - Comprehensive Healthcare Coverage
      Experience the Benefits of Humana Medicare Advantage Plans

For more information and to explore all your options, please visit or contact your local State Health Insurance Program (SHIP) at 1-800-MEDICARE.

HealthCompare Insurance Services does not offer every plan available in your area. Currently, it represents 18 organizations, offering 52,101 products in your area. Enrollment depends on the plan’s contract renewal.

HealthCompare Insurance Services represents Medicare Advantage HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.


Have questions about Humana Medicare Advantage? Explore our FAQs for answers to common queries:

  1. Is Humana Medicare Advantage the same as Medicare?
  2. Is Humana Medicare considered an Advantage plan?
  3. What are the downsides of a Medicare Advantage plan?

We’re here to help you navigate the complex world of Medicare Advantage. If you have more questions or need personalized assistance, don’t hesitate to reach out to us at insurance¬†Our experts are ready to assist you on humana gold and humana plan

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