Humana's monthly costs depend on which plan you choose and where you live

Humana offers several types of Medicare plans, and the monthly premium varies by plan type, your location, and the specific coverage you select. Some Humana plans have no monthly premium at all — you pay only the standard Medicare Part B premium. Others charge an additional monthly fee on top of that. The only way to know what Humana costs in your area is to check their current rates, because premiums change every year and differ by county.

Humana's plans fall into three main categories: Medicare Advantage (Part C), which combines hospital and medical coverage; Medigap (supplemental insurance), which fills gaps in Original Medicare; and prescription drug plans (Part D). Each type has different costs and different things you pay out of pocket when you use care.

Key Takeaways

  • Many Humana Medicare Advantage plans have zero monthly premium, meaning you pay only the standard Medicare Part B premium of $164.90 per month in 2024.
  • Plans with lower or no premiums typically have higher deductibles and copays when you use doctors or hospitals.
  • Humana Medigap plans charge a separate monthly premium in addition to Medicare Part B, with costs varying widely by plan letter and location.
  • You can compare Humana's current rates and plans for your zip code on Medicare.gov or by calling 1-800-MEDICARE.
  • Premiums and coverage change every January, so you should review your plan each fall during open enrollment.

Medicare Advantage plans with Humana

Humana Medicare Advantage plans (also called Part C) bundle your hospital coverage, doctor visits, and usually prescription drugs into one plan. Many Humana Advantage plans in many parts of the country have a $0 monthly premium beyond what you already pay Medicare for Part B. That base premium is $164.90 per month in 2024, but it may be higher if you have higher income.

The catch is that zero-premium plans usually come with higher out-of-pocket costs. You might pay a $250 deductible before coverage kicks in, or $30 to $50 per doctor visit, or both. Some plans also limit which doctors and hospitals you can use without paying more. If you use a lot of medical care, these copays and deductibles can add up to more than you would pay with a plan that charges a higher monthly premium but lower visit costs.

Humana also offers Medicare Advantage plans with monthly premiums ranging from $20 to over $100 per month, depending on the plan and your location. These plans typically have lower deductibles and copays. The trade-off is that you pay more upfront each month, whether you use care or not.

Medigap plans from Humana

Humana Medigap plans are supplemental insurance that work alongside Original Medicare (Parts A and B). They cover some of the costs that Medicare does not — like copays, coinsurance, and deductibles. Medigap premiums are separate from your Medicare Part B premium and vary significantly by plan type and location.

Humana offers several Medigap plan letters (Plan G, Plan N, Plan F for those who became may be able to access before 2020, and others). Plan G is currently the most common choice because it covers nearly all out-of-pocket costs except the Part B deductible. Humana's Plan G premiums vary by state and age but typically range from $100 to $250 per month for someone in their mid-60s, and increase as you age. Plan N is usually less expensive but requires you to pay some copays at the doctor's office.

Medigap premiums are based on your age, your location, and sometimes your health history (depending on your state). Unlike Medicare Advantage, Medigap plans do not have deductibles or copays — the plan either covers a cost or it does not. You can see a doctor anywhere in the United States that accepts Medicare.

Prescription drug coverage costs

If you choose Original Medicare with a Medigap plan, you need a separate Part D prescription drug plan. Humana offers Part D plans with monthly premiums that typically range from $5 to $30 per month, though some plans cost more. The premium depends on which drugs you take and which plan covers them best.

Medicare Advantage plans usually include prescription drug coverage built in, so you do not pay a separate Part D premium. However, you may pay copays when you fill prescriptions — often $5 to $50 per medication depending on the drug and the plan.

How location affects your Humana costs

Humana does not offer plans in every state or every county. In areas where Humana does operate, premiums and coverage vary by zip code. A Humana Medicare Advantage plan in one county might cost $0 per month with a $250 deductible, while the same plan type in a neighboring county might cost $45 per month with a $150 deductible.

This variation exists because insurance companies set rates based on local healthcare costs, the number of doctors and hospitals in the area, and how much care people in that region typically use. You cannot assume that a plan you heard about from a friend in another state will cost the same or even be available where you live.

When premiums and coverage change

Medicare plans change every January 1st. Humana may add new plans, drop old ones, or change the premium and copays on plans you already have. You receive a notice in the mail each October showing what will change on your current plan. You then have until December 7th to switch to a different Humana plan or a plan from another company if you want to.

If you do not make a change during open enrollment (October 15 through December 7), you stay on your current plan with the new rates and coverage. Some people find that a different plan becomes a better fit after the changes, so it is worth reviewing your options each fall.

How to find current Humana rates for your area

The only accurate way to see what Humana plans cost in your zip code is to check Medicare.gov's plan finder tool. Go to Medicare.gov, click "Find Care Providers and Compare Plans," and enter your zip code and the month you want coverage to start. The tool shows all available plans from all companies, including Humana, with their exact premiums, deductibles, copays, and which doctors and pharmacies are in network.

You can also call Humana directly at 1-800-HUMANA-1 (1-800-486-2621) to ask about plans in your area, or call 1-800-MEDICARE (1-800-633-4227) to speak with a Medicare counselor who can explain your options. Both services are free.

Frequently Asked Questions

Can I switch to a Humana plan if I missed open enrollment?

You can switch plans only during the annual open enrollment period (October 15 through December 7) unless you have a may have access to life event — such as losing other coverage, moving to a new state, or getting married. If you have a may have access to event, you have 60 days to make a change. Call 1-800-MEDICARE to report the event and see if you can switch outside the normal window.

Does Humana cover dental and vision?

Some Humana Medicare Advantage plans include dental and vision coverage, but not all. Plans that include these benefits may have limits — for example, one cleaning per year or an eye exam every two years. Check the plan details on Medicare.gov to see what is covered. Original Medicare does not cover dental or vision, and most Medigap plans do not either.

What happens if I cannot afford my Humana premium?

If your income is low, you may be able to get help paying your Medicare premiums through your state's Medicare Savings Program. This program pays your Part B premium and sometimes your plan premium. Contact your state Medicaid office or call 1-800-MEDICARE to see if you may have access to.

Do I have to use Humana doctors and hospitals?

With a Humana Medicare Advantage plan, you usually must use doctors and hospitals in Humana's network, or pay more. With a Humana Medigap plan, you can see any doctor or hospital that accepts Medicare anywhere in the United States. Check your plan documents to see which type you have.

How do I know if a Humana plan is available where I live?

Use the Medicare.gov plan finder tool and enter your zip code. If Humana plans appear in the results, they are available in your area. If no Humana plans show up, Humana does not currently offer coverage in your county. You can also call 1-800-HUMANA-1 to ask which areas they serve.