Humana Medicare Advantage Reviews

Humana Medicare Advantage is private Part C coverage that replaces Original Medicare as the way members receive their Part A and Part B benefits. Most Humana plans also include Part D prescription drug coverage.

Medigap, also known as Medicare Supplement, works a little differently, as it supplements Original Medicare by helping pay deductibles, copays and coinsurance, and it can’t be used with a Medicare Advantage plan.

Humana offers HMO, PPO, PFFS and Special Needs Plans. These plans are for people enrolled in Medicare Parts A and B who live in the plan’s service area, so availability depends on your ZIP code. You can enroll through Humana or Medicare.gov during your Initial Enrollment Period, annual Open Enrollment or a qualifying Special Enrollment Period.

Humana Medicare Advantage plans deliver Original Medicare Part A and Part B benefits through a private plan. Most of these include Part D prescription drug coverage, but you should confirm drug coverage in whichever plan you choose. 
All Humana 2026 Medicare Advantage plans include routine dental, vision and hearing coverage, and many also offer $0 in-network primary care visits and $0 copays for certain preventive services and vaccines.

Humana Medicare Advantage plans cover all Original Medicare Part A and Part B services through its private plans. Most include Part D prescription drug coverage, and all Humana 2026 plans include routine dental, vision and hearing care.

• Limitations: Drug formularies, provider networks and cost-sharing vary by plan. HMO members generally use a PCP and network providers, while PPO members can use out-of-network providers, but will often pay more.
• Other gaps: Medicare doesn’t cover custodial long-term care. Humana PFFS plans include emergency coverage in and outside the U.S.; check other plan documents for travel coverage.
• Availability: Humana plan options are ZIP code-specific, and members must live in a plan’s service area.

Because plan availability and costs vary by ZIP code, Humana doesn’t publish one national Medicare Advantage price. You can input your ZIP code into Humana’s online tool to compare plan deductibles, copays, drug coverage and provider network before you enroll in a plan.

• Monthly premium: Some Humana plans have a $0 plan premium, but you’ll still pay the Part B premium, which is $202.90 per month in 2026 for most people, and more if you’re part of a higher-income bracket of enrollees.
• Medical costs: Plans may charge deductibles, copays and coinsurance. Each plan has an annual out-of-pocket maximum, after which it pays 100% of covered health services for the calendar year.
• Prescription drugs: Plans with Part D may have separate drug deductibles, copays and coinsurance. In 2026, your Part D deductible can’t exceed $615, and covered drug out-of-pocket costs cap at $2,100.
• Enrollment timing: A Part D late-enrollment penalty can permanently increase monthly drug premiums after 63 days without creditable prescription coverage.

Humana Medicare Advantage plans might be worth it if your doctors and prescriptions fit a local Humana plan, and you want routine dental, vision and hearing benefits. Humana offers its plan in 46 states and Washington, D.C., but plan availability depends on your ZIP code.