Humana Medicare Advantage & Part D Review
Humana is a decent choice for Medicare Advantage and Part D plans because of its low rates, but you can get a more highly rated plan from another company.
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Editor's Rating
Humana sells cheap Medicare Advantage plans that come with average customer service. Its Part D plans are also a good choice for most people.
In 2026, you can get a Medicare Advantage plan from Humana unless you live in Alaska, North Dakota, South Dakota or Rhode Island. Humana's Part D plans are available nationwide.
Pros and cons
Pros
Generally cheap rates
Generally good customer service
Widespread availability
Cons
Doesn't sell regular health insurance
Medication price estimates aren't very accurate
Not well-rated for people with chronic conditions
Humana plans and options
Humana offers a variety of products and services, including Medicare, Medicaid and supplemental insurance policies. However, it's best known for its highly rated Medicare Advantage plans, such as the Humana Gold Plus plan.
Humana doesn't sell regular health insurance. If you're in the market for a health insurance plan, Kaiser Permanente and Blue Cross Blue Shield are good options.
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Humana Medicare Advantage plans
Humana has some of the best free Medicare Advantage plans in 2026.
Nearly 7 in 10 of Humana's Medicare Advantage plans have no monthly rate. And even when the plans do have a monthly cost, they tend to be cheap. Humana's Medicare Advantage plans are cheaper than average in 31 states.
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Humana Medicare Advantage rates by state
Humana Medicare Advantage plan quality
Humana's Medicare Advantage plans get an average rating of 3.4 out of 5 from Medicare.gov.
While this overall rating is lower than some other top Medicare Advantage companies, Humana is particularly well-rated in a few categories. For example, Humana gets a near-perfect rating for the availability of foreign language interpreters and TTY. Humana also has high marks for pain assessment and medication review.
However, Humana scores poorly for medication price accuracy. This means the prices you see listed for medications on the Medicare Plan Finder aren't an accurate estimate of how Humana's plans cover the costs. This can make it harder for you to decide how well a Humana plan covers your medications, leading to price surprises at the pharmacy.
Humana Part D plans
Humana Medicare Part D plans are generally cheap and have good service.
On average, a Medicare Part D plan from Humana costs $54 per month.
In 42 states, Humana's Part D plans are cheaper than the state average.
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Keep in mind that you can only buy a Part D plan if you have Original Medicare. You can't buy a Part D plan if you have Medicare Advantage.
Humana Part D rates by state
State | Humana average | State average | Diff. |
|---|---|---|---|
| National | $54 | $62 | -$8 |
| Alabama | $49 | $67 | -$18 |
| Alaska | $41 | $43 | -$2 |
| Arizona | $41 | $42 | -$1 |
| Arkansas | $31 | $53 | -$22 |
Humana Medicare Part D sells three stand-alone prescription drug coverage plans, so you can choose a price and level of coverage that works best for you.
Humana Part D plan details
Plan name | Monthly rate | Average deductible |
|---|---|---|
| Humana Value Rx Plan | $11 | $615 |
| Humana Basic Rx Plan | $33 | $601 |
| Humana Premier Rx Plan | $118 | $0 |
The more you pay each month, the less you'll pay when you pick up a prescription. That's because the lower-priced plans have higher drug deductibles.
For example, the Value plan requires you to pay the first $615 of your prescription costs, while the Premier plan starts covering your prescriptions right away. If you take multiple or expensive medications, it's a good idea to pick a plan that has a lower deductible, even if it costs more each month.
Humana Part D plan quality
Humana's stand-alone Part D plans have average quality ratings.
Overall, Humana's Part D plans get a 3-out-of-5 star rating on Medicare.gov. The plans have good customer service, but they have average ratings for plan quality and how easy it is to fill prescriptions. And Humana's Part D plans have the same issue that the Medicare Advantage plans have with price accuracy. If you're using the Medicare Plan Finder to check your drug prices with Humana's plans, the costs you see aren't likely to be correct.
Humana Medicaid plans
Humana also offers Medicaid plans in some states. That means if you're eligible for Medicaid, you may have the option to get your care through Humana.
Although Medicaid is a public health plan, some states choose to partner with private health insurance companies to manage your care.
Humana Medicaid offers extras with its Medicaid coverage, such as wellness programs, transportation services and prescription drug coverage. You can get Humana Medicaid plans in eight states.
- Florida
- Indiana
- Kentucky
- Louisiana
- Ohio
- Oklahoma
- South Carolina
- Virginia
Humana also offers Dual-Eligible Special Needs Plans (D-SNPs) in 32 states. These are a type of Medicare Advantage plan that you can get only if you're also eligible for Medicaid. D-SNPs coordinate your care between Medicare and Medicaid.
Humana dental insurance
Humana sells six stand-alone dental insurance plans for adults on HealthCare.gov.
Plan name | Avg. monthly rate |
Avg. indv. deductible
|
|---|---|---|
| Smart Choice - Lite | $11 | $73 |
| Smart Choice | $18 | $66 |
| Smart Choice - Low | $18 | $62 |
| Smart Choice - Basic | $20 | $45 |
| Smart Choice - High | $24 | $61 |
All the plans have a $450 out-of-pocket maximum. That means you'll only pay up to $450 per year for covered dental care. After that, your plan pays your dental bills in full, assuming the care is covered.
Each plan covers a different set of dental procedures. For example, only the High, Lite and Low plans cover major dental care, such as dentures and root canals. None of the plans cover orthodontic care for adults.
Humana vision insurance
Humana's vision insurance helps pay for services such as routine eye exams, contact lenses and frames.
Humana only offers one vision insurance plan: Humana Vision Plus. However, you also have the option to bundle supplemental insurance plans such as dental, vision and hearing for a discount.
Humana bundled vision, dental and hearing plans
Humana lets you bundle your vision, dental and hearing insurance. You can choose from the Humana Extend 1250, 2500 and 5000 plans.
The numbers that come after "Humana Extend" refer to the most your policy will pay in a year, called your annual benefit limit. For example, the Humana Extend 1250 plan pays a maximum of $1,250 in benefits per year, while the Humana Extend 5000 plan pays up to $5,000 per year.
All plans come with a $75 deductible on dental work, which is waived for preventive services, and a waiting period before most services are paid for.
Member benefits and resources
By becoming a Humana health care member, you can use the online MyHumana portal. This is available online and can also be accessed through the company's app. On this platform, you can pay your monthly bill, locate a doctor and even find additional information such as a guide to drug pricing.
The MyHumana App is available for download on the App Store and Google Play, where it has above-average star ratings.
In addition to the MyHumana platform, the company offers all members access to the Go365 wellness program. The program allows members to save on their monthly rate by participating in healthy activities such as exercising or eating fruits and vegetables.
Customer reviews and complaints
Humana typically gets good reviews for its customer service from Medicare.gov.
The company gets a 3.6-out-of-5 rating for customer service on its Medicare Advantage plans. And few people complain about Humana's Part D plans, which likely means they're happy with the service.
However, J.D. Power's independent survey scores Humana as having below-average service in most areas. Before you buy a plan, it could be a good idea to talk to current Humana customers in your area to find out if they've had issues.
Frequently asked questions
Is Humana Medicare Advantage good?
Humana's Medicare Advantage plans are average when it comes to quality, but they are cheap and offer good customer service. You can get a more highly rated plan from Kaiser Permanente, Devoted Health, UnitedHealthcare or Blue Cross Blue Shield.
Why is Humana discontinuing Medicare Advantage plans?
Humana is not discontinuing its Medicare Advantage plans, but it did scale back for 2026. You might not have as many Humana plan options this year as you did in 2025, and plans might not be available in as many counties.
Is Humana Gold Plus HMO a good plan for seniors?
The Humana Gold Plus HMO can be a good option, but keep in mind that HMO plans require you to use certain doctors and hospitals to have coverage. If you want to see a doctor who isn't in the plan's network, you have to pay the full cost yourself. Choosing a PPO plan gives you more flexibility, although it typically costs more each month.
Sources and methodology
Medicare Advantage and Part D rates are from the Centers for Medicare & Medicaid Services (CMS) public use files. Medicare Advantage rates are for 2026 plans that include prescription drug coverage. Special needs plans, sanctioned plans, PACE plans, prepayment plans (HCPPs), Medicare medical savings account (MSA) plans and employer-sponsored plans were excluded from our analysis.
ValuePenguin's ratings are based on a detailed analysis of cost, offerings, service and unique features.
Other sources include the App Store, Google Play and J.D. Power.
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: We are committed to providing accurate content that helps you make informed financial decisions. Our partners have not endorsed or commissioned this content.
