Does Humana Medicare include vision and hearing coverage?

Humana states that its 2026 Medicare Advantage plans include routine dental, vision and hearing coverage. Exact benefits vary by plan and service area.

Can I keep my doctor with a Humana Medicare Advantage plan?

It depends on the specific Humana plan and provider network. Consumers should verify each doctor and hospital against the exact Humana Medicare Advantage plan before enrolling.

How can I compare Humana Medicare plans?

Compare the Humana plans available in your ZIP code based on provider networks, prescription coverage, pharmacies, medical cost sharing, maximum out-of-pocket limits, premiums and supplemental benefits.

When do I need to sign up for Medicare?

You can sign up during your Initial Enrollment Period, which starts 3 months before your 65th birthday, includes your birthday month, and ends 3 months after.

What happens if I miss my Medicare enrollment window?

If you miss your Initial Enrollment Period, you may have to wait until the General Enrollment Period (Jan 1 – Mar 31) and could face lifetime late penalties.

What’s the difference between Medicare Parts A, B, C, and D?

Part A covers hospitals, Part B covers medical/outpatient care, Part C is Medicare Advantage (private bundled plans), and Part D is prescription drug coverage.

Do I need a Medicare Supplement (Medigap) or Advantage Plan?

It depends on your needs and budget. Medigap covers what Original Medicare does not, while Advantage often includes extras like drug, dental, and vision benefits.

Does Medicare cover dental, vision, or hearing?

Original Medicare does not usually cover dental, vision, or hearing. Many Medicare Advantage plans do include these benefits.

How much does Medicare cost?

Part A is usually free if you worked 10+ years. Part B has a monthly premium based on income. Parts C & D vary by plan and carrier.

Can you help me compare Medicare plans available in my area?

Yes. As a licensed broker we compare plans from top carriers in Florida so you can choose what fits best.

Is there a cost to work with you?

No. Our Medicare help is completely free. We’re paid by the insurance carriers, not by you.

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INDEPENDENT CARRIER GUIDE

Humana Medicare Plans: What They Offer, Cover & How to Compare

Q: What is Humana Gold Plus?

Humana Gold Plus is commonly used for Humana HMO Medicare Advantage plans. HMO members generally receive non-emergency care from participating network providers and may need primary care coordination or referrals.

Q: Does Humana require prior authorization?

Certain Humana Medicare Advantage medical services, procedures and prescription drugs may require prior authorization. Requirements depend on the plan and service.

Humana Medicare Plans

Understand the coverage before choosing the carrier.
Humana offers several ways to receive Medicare coverage, including Medicare Advantage plans, Special Needs Plans, standalone Medicare Part D prescription drug plans and Medicare Supplement insurance.

But choosing Humana isn’t really about choosing a company name.

The more important question is which Humana plan is available where you live—and whether that specific plan covers your doctors, hospitals, prescriptions and healthcare needs at a cost you’re comfortable with.

Already have Medicare? You can use these guides to understand your current coverage too.

PLAN COMPARISON INTAKE

See Humana plans available near you

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Phone Number

Humana at a glance

Medicare Advantage

HMO, PPO, PFFS, SNP and select HMO-POS

Special Needs

D-SNP, C-SNP and select I-SNP

Prescription Drugs

3 standalone Part D options

Medicare Supplement

Multiple standardized Medigap plans

2026 MA availability

46 states + Washington, D.C.

Coverage footprint

85% of U.S. counties

Humana reported Medicare Advantage offerings in 46 states and Washington, D.C. covering 85% of U.S. counties for 2026. (Humana Policy Center)

CARRIER OVERVIEW

Humana Medicare Plans at a Glance

Humana has been involved in Medicare Advantage for more than 40 years and is one of the country’s major Medicare insurers. For 2026, Humana says its Medicare Advantage plans are offered in 46 states and Washington, D.C., covering approximately 85% of U.S. counties. (Humana Policy Center)

Depending on where you live and your eligibility, Humana Medicare options may include:

Humana coverage	What it does
Medicare Advantage HMO	Combines Medicare Part A and Part B coverage through a provider network; most plans include prescription coverage
Medicare Advantage PPO	Provides Part A and B coverage with more flexibility to use out-of-network Medicare providers, usually at a higher cost
HMO-POS	An HMO with limited point-of-service benefits that may allow certain services outside the network
PFFS	Private Fee-for-Service coverage that may allow members to use Medicare-approved providers that accept the plan's terms
D-SNP	Medicare Advantage coverage designed for people who qualify for both Medicare and Medicaid
C-SNP	Medicare Advantage coverage designed for people with qualifying chronic medical conditions
I-SNP	Special Needs coverage available in certain markets for people who live in or require an institutional level of care
Medicare Part D	Standalone prescription drug insurance for people using Original Medicare or another compatible Medicare arrangement
Medicare Supplement	Medigap coverage that works with Original Medicare to help pay certain deductibles, coinsurance and copayments

Important Note

Not every Humana plan or benefit is available in every ZIP code.

Humana Medicare benefits, premiums, provider networks, prescription drug coverage and out-of-pocket costs can differ substantially from one plan and location to another.

Medicare Plan Assistance can help you compare Humana plans available in your ZIP code alongside other Medicare options available in your area.

What Does Humana Medicare Advantage Cover?

Every Medicare Advantage plan must provide at least the Medicare Part A and Part B benefits that Original Medicare covers, subject to Medicare Advantage rules.

What makes Medicare Advantage different is that private insurers such as Humana may package those medical benefits with prescription drug coverage and supplemental benefits.

For 2026, Humana says all of its Medicare Advantage plans include dental, vision and hearing coverage. Many plans also include prescription drug coverage, and nearly all non-Special Needs Humana Medicare Advantage plans include $0 in-network primary care copays. (Humana Policy Center)

Depending on the specific Humana plan, coverage may include:

Hospital and inpatient care

Primary care and specialist visits

Preventive services

Outpatient medical care

Emergency and urgent care

Diagnostic testing and imaging

Durable medical equipment

Home health services when Medicare requirements are met

Prescription drugs on many plans

Routine dental

Routine vision

Hearing services

Fitness or wellness programs on certain plans

OTC or spending allowances on qualifying plans

Transportation, meal or other supplemental benefits on select plans

The key phrase is depending on the plan.

A benefit appearing on one Humana plan does not mean every Humana member receives the same coverage or allowance.

Humana HMO Plans: How They Work

Humana’s HMO Medicare Advantage plans are commonly marketed under names such as Humana Gold Plus.

With an HMO, members generally choose a primary care physician from the plan’s network. The PCP may help coordinate treatment and referrals to specialists.

Humana says its HMO plans usually have lower premiums and copayments than plan types offering more provider flexibility. Most Humana HMO plans also include prescription drug coverage. (Humana)

The tradeoff is the network.

Except for situations such as emergency care, urgent care and certain other Medicare-protected circumstances, HMO members generally need to receive covered care through participating providers.

A Humana HMO may make sense when:

Your doctors and preferred hospitals participate in the exact Humana HMO network available to you, you are comfortable coordinating care through a primary doctor and you value potentially lower in-network costs.

Look more carefully when:

You frequently travel, receive treatment from physicians outside the local network or need ongoing care from a specialist or health system that does not participate with that particular Humana plan.

Humana PPO Plans: More Provider Flexibility

Humana’s Medicare Advantage PPO plans are commonly marketed under names such as HumanaChoice.

A PPO generally provides more flexibility than an HMO.

Humana states that members can receive Medicare-covered care from Medicare-approved providers both inside and outside the Humana PPO network when the provider accepts the plan’s terms. Members generally pay less when they stay in network. PPO plans normally don’t require members to choose a primary care physician or obtain a referral before seeing a specialist. (Humana)

That flexibility can be valuable for someone who:

However, out-of-network does not mean free or unrestricted. Out-of-network copays, coinsurance and annual maximums may be considerably higher.

Always verify the actual plan’s Summary of Benefits and Evidence of Coverage.

What Is a Humana HMO-POS Plan?

HMO-POS stands for Health Maintenance Organization with a Point-of-Service benefit.

It operates primarily like an HMO but allows certain covered services to be obtained outside the normal HMO network under the plan’s point-of-service rules.

That extra flexibility can come with higher cost sharing and may apply only to specific services.

Medicare itself describes an HMO-POS as an HMO that may allow some out-of-network services while generally charging the member more for those services. (Medicare)

An HMO-POS should therefore not be treated as equivalent to a PPO.

Humana PFFS Medicare Advantage Plans

Humana also offers Private Fee-for-Service, or PFFS, Medicare Advantage plans in certain markets.

Humana says its PFFS members can generally receive care from Medicare-approved providers that agree to accept the plan’s payment terms. Unlike a normal PPO arrangement, a non-network provider may need to confirm that it accepts the PFFS plan’s terms before providing care. (Humana)

Humana PFFS plans generally don’t require referrals.

Most also include prescription drug coverage, although you should confirm this with the exact plan you’re considering.

PFFS availability is much more market-specific than the basic concept suggests, so a ZIP-code comparison is important.

Humana Dental Coverage

Dental coverage is one reason many people investigate Medicare Advantage.

For the 2026 plan year, Humana says all of its Medicare Advantage plans include dental coverage. Its 2026 product announcement also states that non-Special Needs plans include $0 copays for covered preventive dental care. (Humana Policy Center)

But “dental coverage” does not tell you enough to compare plans.

Before enrolling, check:

The annual dental benefit maximum, if applicable.
Whether preventive and comprehensive services have different limits.
Coverage for fillings, crowns, bridges, dentures, extractions or periodontal treatment.
Whether the dentist participates in the applicable Humana dental network.
Whether out-of-network dental benefits exist.
Coinsurance for major dental services.
Whether prior authorization or treatment-plan requirements apply.

A plan with a larger advertised dental benefit is not automatically better if your dentist isn’t participating or the services you expect to use have substantial cost sharing.

Humana Vision Benefits

All Humana Medicare Advantage plans include routine vision coverage for 2026, according to Humana’s plan-year announcement. (Humana Policy Center)

Depending on the plan, benefits may include a routine eye exam and an allowance or other coverage toward eyeglasses or contact lenses.

Benefit amounts, participating providers, frequency limits and member cost sharing can differ by plan.

Humana Hearing Benefits

Humana’s 2026 Medicare Advantage plans also include hearing benefits. (Humana Policy Center)

The exact benefit may involve hearing evaluations, hearing aids or related services subject to the plan’s provider network, benefit limits, copays and frequency rules.

If hearing aids are important to you, compare the actual hearing-aid benefit rather than simply checking whether a plan says “hearing coverage.”

Humana Prescription Drug Coverage

Many Humana Medicare Advantage plans include Medicare Part D prescription drug coverage.

But your prescription should be checked individually.

Two Humana plans in the same area can have different:

Drug formularies

Drug tiers

Copayments

Coinsurance

Deductibles

Preferred pharmacies

Prior authorization rules

Quantity limits

Step therapy requirements

Humana’s Drug List, also called its formulary, identifies drugs covered by a particular plan and is updated as coverage information changes. (Humana)

Before enrolling in a Humana plan, check every medication for:

Coverage

Is the drug on the formulary?

Tier

Which drug tier is it on?

Cost

What will it cost at your pharmacy?

Pharmacy

Is your pharmacy preferred, standard or out of network?

Restrictions

Does PA, ST or QL appear next to the medication?

Alternative

Is a lower-cost covered alternative available?

This medication review can be more important financially than the monthly plan premium.

Humana Medicare Advantage Maximum Out-of-Pocket Costs

Medicare Advantage plans include an annual maximum on covered Part A and Part B out-of-pocket costs.

Once you reach the applicable maximum for covered services, the plan pays the covered Medicare Advantage medical costs governed by that limit for the remainder of the plan year.

The actual maximum differs between plans.

PPO plans may also have separate in-network and combined in- and out-of-network limits.

This is why Medicare shoppers should compare more than premiums.

Example:

A $0-premium Medicare Advantage plan can still require copays or coinsurance for:
Specialists
Hospital stays
Outpatient surgery
Diagnostic services
Durable medical equipment
Skilled nursing
Certain Part B medications
$0 premium does not mean $0 healthcare costs.

Humana Special Needs Plans

Humana offers Special Needs Plans in certain markets for people who have specific healthcare or financial circumstances.

These include Dual Eligible Special Needs Plans (D-SNPs), Chronic Condition Special Needs Plans (C-SNPs) and select Institutional Special Needs Plans (I-SNPs).

All Medicare Special Needs Plans include prescription drug coverage. (Humana)

Humana D-SNP Plans

A Humana D-SNP is designed for people who qualify for both Medicare and Medicaid.

Humana D-SNP plans coordinate Medicare and Medicaid coverage and include Medicare prescription drug benefits.

Humana says its D-SNPs include routine dental, vision and hearing benefits. Many plans also provide very low prescription costs, care-management support and a Healthy Options Allowance for eligible members. (Humana)

Eligibility depends on:

Having Medicaid does not mean every D-SNP is available to you.

Humana C-SNP Plans

Humana Chronic Condition Special Needs Plans are designed for people with qualifying chronic or disabling health conditions.

Examples of conditions that may qualify for Humana C-SNP enrollment include certain forms of:

Other CMS-approved conditions may qualify depending on the plan. (Humana)

Your qualifying diagnosis must be verified.

Humana states that a doctor or doctor’s office must verify the qualifying condition within 60 days from the start of coverage for the member to remain enrolled in the C-SNP. (Humana)

Many Humana C-SNPs also include a Healthy Options Allowance and an OTC allowance. (Humana)

What Is the Humana Healthy Options Allowance?

The Humana Healthy Options Allowance is available on certain Medicare Advantage plans, particularly many Humana D-SNP and C-SNP plans.

Eligible members may receive an allowance through a Humana Spending Account Card.

Depending on the plan and the member’s eligibility, approved spending categories can include certain:

Over-the-counter health products
Groceries
Personal-care items
Household supplies
Utilities
Phone expenses
Rent or mortgage expenses

Eligibility rules apply, and not every Humana Medicare Advantage member receives this benefit. (Humana)

That distinction is important.

Seeing an advertisement for a Humana spending allowance does not mean the same allowance is available to everyone with Medicare.

Does Humana Offer a Medicare Part B Giveback?

Some Medicare Advantage plans may include a Part B premium reduction, often called a Part B Giveback.

Humana offers this benefit on certain Medicare Advantage plans, but availability and the amount returned toward the Part B premium differ by plan and location. (Humana)

A Giveback should not be evaluated by itself.

A plan returning part of your Part B premium could still have different:

Specialist costs

Hospital costs

MOOP

Drug coverage

Dental benefits

Provider networks

Compare the entire plan.

Humana Standalone Medicare Part D Plans

People using Original Medicare may add standalone Medicare prescription drug coverage.

Humana offers three standalone Part D products for 2026:

Part D plan	General positioning
Humana Value Rx Plan	Focused on low cost sharing for many generic medications
Humana Premier Rx Plan	Broader drug coverage with a $0 deductible in 2026
Humana Basic Rx Plan	Designed especially with Extra Help beneficiaries in mind

Humana’s Value Rx Plan covers more than 3,600 medications and offers $0 Tier 1 and Tier 2 copays at preferred pharmacies and a $0 deductible for Tier 1 and Tier 2 drugs in 2026. (Humana)

Humana’s Premier Rx Plan is its broadest standalone PDP option for 2026, covering more than 3,700 medications with a $0 deductible. (Humana)

The Basic Rx Plan is positioned toward people receiving Medicare Extra Help. In qualifying benchmark areas, people receiving Extra Help may have a $0 plan premium. (Humana)

For 2026, Medicare Part D has an annual $2,100 out-of-pocket cap for covered Part D drugs. (Humana)

The cheapest Part D premium is not necessarily the least expensive plan overall.

premium + deductible + projected prescription cost at your preferred pharmacy.

Humana Medicare Supplement Plans

Humana also sells Medicare Supplement insurance, commonly called Medigap, in qualifying markets.

Medigap is fundamentally different from Medicare Advantage.

A Humana Medicare Supplement policy works with Original Medicare rather than replacing how you receive your Part A and Part B benefits.

Humana markets several standardized Medigap options, including Plans A, B, C, F, G, K, L and N depending on state eligibility and availability. (Humana)

For most newly eligible Medicare beneficiaries comparing richer Medigap coverage, Plan G and Plan N are common options to evaluate.

An important Medigap rule Medigap benefits are standardized by plan letter in most states.

That means a Humana Plan G generally covers the same standardized Medicare gaps as another insurer’s Plan G.

The carrier comparison is therefore more about:

Monthly premium
Available household or enrollment discounts
Underwriting rules outside protected enrollment periods
Rate increases
Customer service
Availability

rather than a different core Plan G medical benefit package.

Humana Plan G

Humana Medicare Supplement Plan G pays most of the standardized Original Medicare cost sharing after Original Medicare processes the claim.

Among other standardized benefits, Plan G covers the Medicare Part A hospital deductible, Part A and Part B coinsurance, skilled nursing facility coinsurance, Part B excess charges and limited foreign-travel emergency benefits.

Plan G does not pay the Medicare Part B deductible. (Humana)

Humana also offers high-deductible Plan G in some states.

Humana Plan N

Humana Medicare Supplement Plan N offers extensive standardized Medigap coverage while using some member cost sharing to help keep premiums lower.

Plan N generally covers Part B coinsurance but allows certain office-visit copayments of up to $20 and emergency-room copayments of up to $50 when the visit does not result in an inpatient admission.

Plan N does not cover Part B excess charges. (Humana)

Humana Medicare Advantage vs Humana Medicare Supplement

These are not versions of the same product.

They represent two different ways to structure Medicare coverage.

	Humana Medicare Advantage	Humana Medicare Supplement
Primary coverage	Private Medicare plan provides Part A and B benefits	Original Medicare remains primary
Networks	Usually applies	Original Medicare provider access generally applies
Prescription coverage	Often included	Separate Part D plan usually needed
Dental/vision/hearing	Frequently included	Generally not part of standardized Medigap
Medical MOOP	Yes	Depends on standardized Medigap cost-sharing structure
Monthly premium	Yes	Separate monthly Medigap premium
Referrals	Depends on plan type	Generally not required by Medigap
Prior authorization	Can apply	Original Medicare coverage rules generally govern

There is no universal winner.

The right structure depends on healthcare usage, budget, doctors, travel patterns, prescriptions and your ability to qualify for Medigap when underwriting applies.

How Much Do Humana Medicare Plans Cost?

There is no single “Humana Medicare price.”

Your cost depends on the exact plan and location.

When comparing a Humana Medicare Advantage plan, look at:

Monthly plan premium

Some plans may have a $0 additional premium, while others charge a monthly amount.

Medicare Part B premium

You generally continue paying your Medicare Part B premium even if your Medicare Advantage plan has a $0 premium.

Medical deductible

Some plans have no medical deductible. Others may.

Copays and coinsurance

Review primary care, specialist, hospital, outpatient surgery, diagnostic testing, therapy, skilled nursing and durable medical equipment.

Maximum out-of-pocket

Compare the maximum financial exposure for Medicare-covered Part A and B services.

Drug deductible and drug costs

Review the prescription portion separately.

A Medicare plan should be evaluated based on likely annual healthcare cost, not simply monthly premium.

Will My Doctors Accept Humana Medicare?

This should be one of the first questions you answer before choosing a Medicare Advantage plan.

Humana maintains a Find Care provider directory that allows consumers to search medical, dental, vision and pharmacy providers. (Humana)

But don’t stop at searching the word “Humana.”

A physician may participate in one Humana Medicare network but not another.

The better verification process is:

Identify the exact Humana plan.

Get the full plan name and contract/PBP information.

Search Humana's provider directory.

Confirm the doctor against that specific plan network.

Call the doctor's office.

Ask whether the office currently accepts the exact Humana Medicare Advantage plan—not simply “Humana.”

Check specialists and hospitals separately.

Your primary doctor being in network does not automatically mean your preferred cardiologist, oncologist, hospital, imaging center or outpatient facility is.

Recheck each year.

Medicare Advantage provider networks can change.

Does Humana Require Prior Authorization?

Yes, certain Humana Medicare Advantage services and prescriptions may require prior authorization.

Humana explains that some medical procedures, services and medications require advance approval before the plan covers them. The applicable requirements can be found in the plan’s Evidence of Coverage and Humana’s authorization resources. (Humana)

Prior authorization is especially important to investigate if you regularly use:

A plan’s benefits can look excellent on paper while the rules governing how those benefits are accessed still matter.

Where Can I Find My Exact Humana Benefits?

Humana Medicare plan members can access their Evidence of Coverage, provider and pharmacy information, Drug List and other plan documents online.

Your Evidence of Coverage (EOC) is one of the most important documents because it explains what the plan covers, what you pay and which rules apply.

The Annual Notice of Change (ANOC) explains how an existing plan is changing for the next plan year. (Humana Plan Docs)

When comparing Medicare plans, the Summary of Benefits is useful.

When trying to settle a detailed coverage question, read the Evidence of Coverage.

What Should I Check Before Choosing a Humana Medicare Plan?

Before enrolling, Medicare Plan Assistance recommends checking these seven areas:

Doctors

Are your PCP and specialists in network?

Hospitals

Are the hospitals and medical systems you prefer included?

Prescriptions

Are every one of your current prescriptions covered?

Pharmacies

What will the prescriptions cost at your preferred pharmacy?

Healthcare costs

Compare hospital, specialist, outpatient, diagnostic and other cost sharing—not just the premium.

Maximum out-of-pocket

Understand your worst-case medical cost exposure.

Supplemental benefits

Compare the benefits you will realistically use rather than choosing a plan simply because it has the longest list of extras.

What About Humana's Medicare Star Ratings?

CMS rates Medicare Advantage and prescription drug contracts on a scale of 1 to 5 stars.

Star Ratings consider areas such as quality, member experience, preventive care and prescription drug performance.

But there is an important distinction:

Humana does not have one Star Rating.

Ratings apply to specific Medicare contracts and can differ by plan and market. They also change from year to year.

CMS recommends using Medicare’s Plan Compare system to evaluate the actual plans available where you live. (Medicare)

When comparing two Medicare plans, check the actual CMS rating of each specific option rather than relying on a carrier-wide average.

Is Humana Medicare a Good Choice?

Humana may deserve serious consideration in areas where its provider network, prescription coverage and plan benefits align with your needs.

For 2026, Humana has one of the broader geographic Medicare Advantage footprints, with plans offered across 46 states and Washington, D.C. and approximately 85% of U.S. counties. It also offers HMO, PPO, PFFS and Special Needs options and states that all 2026 Medicare Advantage plans include dental, vision and hearing coverage. (Humana Policy Center)

But availability is not the same as suitability.

A Humana plan may be a strong fit if:

Your important healthcare providers participate.
Your prescriptions are well covered.
The network structure fits how you receive healthcare.
The maximum out-of-pocket amount fits your risk tolerance.
You value the plan's supplemental benefits.
A Humana D-SNP or C-SNP matches your eligibility.

You should compare other options carefully if:

An important physician or hospital is outside the network.
Your prescriptions have expensive cost sharing or coverage restrictions.
You want broader provider access.
You frequently receive care outside your local service area.
Another carrier provides better coverage for the services you use most.
Original Medicare plus Medigap better matches your healthcare preferences.

The goal isn’t to determine whether Humana is good or bad.

The goal is to determine whether a particular Humana plan is a good match for you.

Compare Humana With Other Medicare Companies

Humana may not be the only Medicare insurer available in your ZIP code.

Before enrolling, compare the actual plans rather than relying on company reputation alone.

Compare Humana vs UnitedHealthcare

Compare Humana vs Aetna

Compare Humana vs Devoted Health

Explore All Medicare Plan Comparisons

When Can I Enroll in or Change a Humana Medicare Plan?

Enrollment depends on your Medicare eligibility and the type of coverage you’re selecting.

Common Medicare enrollment periods include:

Initial Enrollment Period

For many people becoming eligible at age 65, the Initial Enrollment Period lasts seven months: three months before the month you turn 65, your birthday month and three months afterward.

Annual Enrollment Period

October 15–December 7

People with Medicare can make changes to Medicare Advantage and Part D coverage for the following year.

Medicare Advantage Open Enrollment Period

January 1–March 31

People already enrolled in Medicare Advantage can switch to another Medicare Advantage plan or return to Original Medicare, subject to Medicare’s rules.

Special Enrollment Period

Certain circumstances—such as moving, losing coverage, gaining Medicaid eligibility or developing a qualifying condition for certain SNPs—may create another opportunity to enroll or change coverage. (Humana)

COMPARE WITH CONFIDENCE

Compare Humana Medicare Plans Available Where You Live

Humana’s Medicare offerings can differ by ZIP code, county and eligibility.

Instead of choosing based only on an advertisement or benefit amount, compare the entire plan:

Doctors. Hospitals. Prescriptions. Costs. Networks. Benefits.

Medicare Plan Assistance can help you compare Humana with other Medicare plans available in your area and understand how each option fits your healthcare needs.

Frequently Asked Questions About Humana Medicare Plans

Does Humana offer $0-premium Medicare Advantage plans?

Humana offers $0-premium Medicare Advantage options in some areas. Availability varies by plan and location. A $0 plan premium does not eliminate your Medicare Part B premium or other plan cost sharing.

Does Humana Medicare Advantage include dental coverage?

Yes. Humana states that all of its Medicare Advantage plans include dental coverage for 2026. The services, annual limits, provider requirements and cost sharing vary by plan.

Does Humana Medicare include vision and hearing?

Humana says all of its 2026 Medicare Advantage plans include dental, vision and hearing coverage. Exact benefits differ by plan.

Does Humana Medicare cover prescription drugs?

Most Humana Medicare Advantage plans include Part D prescription drug coverage, and all Medicare Special Needs Plans are required to include Part D. Humana also offers three standalone Medicare Part D plans for 2026.

What is Humana Gold Plus?

Humana Gold Plus is a name commonly used for Humana’s HMO Medicare Advantage plans. HMO members generally use participating network providers and may need PCP coordination or referrals.

What is HumanaChoice?

HumanaChoice is commonly associated with Humana’s PPO Medicare Advantage plans. PPO plans generally provide more out-of-network flexibility than HMOs, although out-of-network care can cost more.

Can I keep my current doctor with Humana?

Possibly. Provider participation depends on the exact Humana plan and network. Verify your physicians against the specific plan before enrolling.

Does Humana offer plans for people with Medicare and Medicaid?

Yes. Humana offers Dual Eligible Special Needs Plans in qualifying service areas for people who meet Medicare and Medicaid eligibility requirements.

Does Humana offer plans for diabetes or heart conditions?

Humana offers Chronic Condition Special Needs Plans in certain areas for people with qualifying conditions such as diabetes, cardiovascular disease, chronic heart failure, chronic lung disease and certain kidney conditions.

Does Humana offer Medicare Supplement Plan G?

Humana offers standardized Medicare Supplement Plan G in qualifying markets. Availability, premiums and underwriting requirements vary by state and applicant.

Does Humana offer Medicare Supplement Plan N?

Humana offers standardized Medicare Supplement Plan N in qualifying markets. Plan N includes significant Original Medicare cost-sharing coverage but allows certain office and emergency-room copayments and does not cover Part B excess charges.

Does Humana require referrals?

It depends on your plan. HMO plans may require referrals for some specialist services. PPO plans generally do not require referrals.

Does Humana require prior authorization?

Certain medical services, procedures and prescription drugs may require prior authorization. Requirements depend on the plan and service.

Can I use a Humana Medicare Advantage plan outside my state?

Emergency and urgent coverage follows Medicare Advantage requirements, but routine non-emergency provider access depends heavily on the plan type and network. PPO and PFFS plans may offer more flexibility than HMOs. Review the exact plan before relying on out-of-area coverage.

How can I compare Humana plans in my ZIP code?

Compare the exact Humana plans available where you live using their premiums, provider networks, prescriptions, pharmacies, medical cost sharing, maximum out-of-pocket limits and supplemental benefits. Medicare Plan Assistance can also compare Humana alongside other available Medicare insurers.

How We Research Medicare Carriers

Medicare Plan Assistance reviews official carrier plan materials, Evidence of Coverage documents, formularies, provider directories, Centers for Medicare & Medicaid Services resources and Medicare.gov information when developing our carrier guides.

Medicare benefits can vary by plan and location, so carrier-wide information should never replace reviewing the specific plan available in your ZIP code.

Last researched

August 24, 2026

Next scheduled plan-year review

2027 Medicare plan release

How We Research Medicare Carriers

Humana Find Care provider search

Humana Medicare plan documents

Humana Medicare Drug List

Medicare.gov Plan Compare

Medicare.gov Medicare health and drug plans

Independent Medicare Guidance

Medicare Plan Assistance is an independent insurance agency and is not Medicare, Humana or a government agency.

Plan availability, premiums, benefits, provider networks, formularies, pharmacies, copayments, coinsurance and eligibility requirements can change and vary by location and plan.

Always review the applicable Summary of Benefits and Evidence of Coverage before enrolling.

Enrollment in a Medicare plan is subject to Medicare eligibility requirements and the applicable plan’s contract renewal.

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