Humana Medicare Advantage Plans California 2025

Embarking on the journey of healthcare decisions can be intricate, particularly in the realm of Medicare Advantage plans. The multitude of options may leave you wondering how to find the ideal choice for your specific needs.

Enter Humana, a distinguished health insurance provider, presenting an array of Medicare Advantage plans tailored for California.

Within this in-depth examination, Humana’s goal is to provide you with insights into these plans, unraveling Humana’s distinctive features and drawing comparisons with offerings from other providers in the market.

Key Takeaways

    • Humana’s lineup of Medicare Advantage plans in California for 2025 may be diverse, possibly featuring HMO, PPO, and SNP options. These plans prioritize managed care, flexible provider choices, and specialized care for individuals with chronic diseases or dual eligibility.


    • When evaluating these plans, members should weigh factors such as premiums, deductibles, copays, coinsurance, out-of-pocket maximums, and any additional charges for specific benefits. Notably, Humana costs vary for in-network and out-of-network services.


    • Beyond medical services, Humana’s plans may encompass prescription drug coverage, dental, vision, and hearing. Members could also enjoy potential access to preferred pharmacy pricing, along with additional services and wellness programs, ensuring a comprehensive healthcare package.


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Overview of Potential Humana Medicare Advantage Plans in California for 2025

Some of Humana’s Medicare Advantage plans in California for 2025 may present a diverse array of options, empowering beneficiaries to select the plan that aligns seamlessly with their healthcare requirements.

The available choices include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Special Needs Plans (SNP) options.

The distinct Medicare Advantage plan types, which encompass both HMO and PPO options, are outlined as follows:


  • HMO plans: These plans prioritize an extensive network of healthcare providers, emphasizing efficiently managed care for members.


  • PPO plans: Offering flexibility, these plans grant members the freedom to consult any Medicare-approved physician of their choice.


  • SNP plans: Tailored to individuals with specific health conditions or characteristics, such as those with chronic illnesses or dual eligibility for Medicare and Medicaid.


HMO Plans

Humana’s HMO plans, also recognized as Humana Health Plan, prioritize streamlined and coordinated care. The possible benefits offered under the Humana Medical Plan, may encompass the Humana USAA Honor Plans, which include a comprehensive network of doctors, hospitals, and various healthcare providers to oversee all facets of a member’s healthcare journey.

This financial safeguard can be further optimized by utilizing lower-cost preferred pharmacies. Opting for a Humana HMO plan provides members with the advantage of selecting a primary care physician from an extensive network.

Additionally, these plans may offer coverage for routine dental, vision, and hearing care – benefits that are not typically included in Original Medicare.


PPO Plans

Humana’s PPO plans introduce an elevated level of flexibility, allowing members the freedom to consult any Medicare-approved physician, irrespective of their inclusion in Humana’s provider network, as long as they accept Medicare.

It is essential to note that seeking services from providers outside of Humana’s PPO network may result in higher out-of-pocket expenses and potential balance billing from the provider.

Despite this consideration, the Medicare Advantage PPO Plans offered by Humana in California for 2025 may ensure comprehensive coverage, possibly including dental, vision, and hearing benefits.



Humana tailors Special Needs Plans (SNPs) to cater to individuals with specific diseases or characteristics. The Chronic Condition SNPs focus on providing specialized benefits and support for individuals dealing with conditions such as diabetes mellitus, cardiovascular disorders, chronic heart failure, or chronic lung disorders.

On the other hand, the Dual-Eligible SNPs are crafted for individuals entitled to Medicare and eligible for assistance from a state Medicaid program.

These SNP plans go beyond standard offerings to address the unique health requirements of individuals with chronic conditions or dual eligibility for both Medicare and Medicaid. It’s important to note that the availability of these plans may vary by location, and they may not be accessible in all areas.


Comparing Costs: Premiums, Deductibles, and Out-of-Pocket Expenses

Choosing a Humana Medicare Advantage plan in California involves evaluating different costs, encompassing copayments, coinsurance, deductibles, coverage of the monthly Medicare Part B premium, in-network, and out-of-network out-of-pocket maximums, and supplementary charges for additional required benefits.


Copays and Coinsurance

In the realm of Humana’s Medicare Advantage Plans, copays may be fixed amounts that members need to pay for specific services, like primary care visits. The actual amount may vary based on the specific plan.

On the other hand, coinsurance represents a percentage of the costs for covered services that members are responsible for, typically around 20% for doctor services or hospital outpatient services.

Some copays may apply to essential services, including preventive exams, telemedicine, and pharmacy services within Humana Medicare Advantage Plans. Conversely, coinsurance is typically associated with services like hospitalization, outpatient services, and other medical expenses not covered by predetermined copays.


Out-of-Pocket Maximums

Out-of-pocket maximums act as a safeguard on expenses related to covered services. This could serves as significant financial protection, potentially capping the annual cost-sharing responsibilities for participants. It may include constraints on deductibles, copayments, and coinsurance specifically for in-network services.


Prescription Drug Coverage and Pharmacy Networks

Some of Humana’s Medicare Advantage plans in California for 2025 may encompass prescription drug coverage, with certain limitations and restrictions

To locate your preferred pharmacies, you can make use of Humana’s Pharmacy Finder tool available online. Simply input your ZIP code to the Humana website  and one of their assistants will be able to help.


Preferred Pharmacies

Some Humana Medicare Advantage Plans may partner with preferred pharmacies like CenterWell Pharmacy to potentially offer prescriptions at a discounted cost through special cost-share options.

Opting for a preferred pharmacy in conjunction with a Humana Medicare Advantage Plan could lead to reduced copays and lowered out-of-pocket expenses, delivering significant savings on medications. These pharmacies may offer lower prescription costs due to specific pricing agreements negotiated with Humana.

To confirm whether a pharmacy is preferred under your Humana Medicare Advantage Plan, you can refer to the MyHumana website or contact the Humana customer service.



Possible Stand-Alone Prescription Drug Plans

Some of Humana’s standalone prescription drug plans not only provide essential coverage for prescription medications but may also grant access to a preferred mail-order cost-sharing pharmacy.

In California, Humana offers three standalone Medicare prescription drug plans: the Humana Walmart Value Rx, Humana Premier Rx Plan, and Humana Basic Rx Plan. The costs associated with these plans vary depending on the specific plan and its coverage.

In contrast to standalone prescription drug plans, Humana’s regular Medicare Advantage plans may offer comprehensive coverage for both medical services and prescription drugs.


Some Dental, Vision, and Possible Additional Benefits

Humana’s Medicare Advantage plans in California may offer optional supplemental benefits, including dental coverage. These plans could include preventive dental services such as annual exams, two complimentary cleanings per year, and dental X-rays once every 5 years.

Moreover, these plans may provide vision coverage, which may include an annual allowance for eyeglasses frames and prescription lenses, as well as prescription contact lenses.

This expanded coverage goes beyond Original Medicare and may offer extra perks for military veterans and ensure equal access regardless of national origin, age, or disability.


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Dental Coverage

Based on data from 2024, it it likely that some of the Humana Medicare Advantage Plan in California may include comprehensive coverage for preventive dental services, ensuring members have access to annual dental exams, teeth cleaning, and whitening.

These plans could go beyond the basics, potentially offering a diverse range of dental services such as routine dental exams, cleanings, fillings, tooth extractions, and dental X-rays.

Moreover, Humana Medicare Advantage plans may extend its coverage to include orthodontic and prosthodontic procedures, providing a well-rounded approach to dental care for beneficiaries.


Vision Coverage

Some Humana Medicare Advantage plans in California may stand out by including comprehensive vision coverage. This distinctive feature could set them apart from other Medicare Advantage Plans in the state, as Humana will likely offer coverage for annual eye exams, eyeglass frames with prescription lenses, and prescription contact lenses.

Beneficiaries of Humana Medicare Advantage Plans in California could take advantage of covered eye exams, ensuring their vision needs are met. Additionally, certain plans will likely go the extra mile by providing coverage for prescription eyewear, including eyeglasses or contact lenses.

Moreover, Humana Medicare Advantage Plans may offer discounts on various vision services, covering eyeglass frames and lenses, lens enhancements, and even Lasik procedures.


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Ratings and Reviews: How Humana Compares to Other Providers

Based on data from 2024, it is likely that Humana’s 2025 Medicare Advantage Plans may receive commendable reviews and high ratings, with an average star rating of 4.34, surpassing the national average of 4.04.

Notably, an impressive 92% of Humana’s Medicare Advantage members in rated contracts were enrolled in contracts with 4 stars or more. This percentage stands out as the highest among all national health plans, indicating a strong commitment to delivering quality healthcare services.

In terms of member satisfaction, Humana excels with a rating of 3.97, exceeding the industry average. The company outperforms the industry average in customer satisfaction across several significant Medicare markets, as highlighted by J.D. Power.

This positive feedback underscores Humana’s dedication to providing excellent healthcare experiences for its members.


Financial Strength

AM Best evaluates the financial strength of insurance companies on a scale ranging from A+ to D, and Humana has received an excellent rating, signifying robust financial health and a stable outlook.

This rating provides Medicare Advantage Plan subscribers with confidence in Humana’s capacity to deliver promised benefits and services reliably. The partnership between Humana and USAA Honor underscores the shared commitment to serving the Medicare community.

Humana has also affirmed its adjusted earnings per share guidance for the entirety of 2023, indicating a commitment to ongoing financial stability.


Member Satisfaction

Humana’s Medicare Advantage plans in California boast commendable ratings and noteworthy statistics, reflecting Humana’s commitment to member satisfaction:

  • They consistently achieve 4-star ratings or higher, signaling a positive reception among members.


  • The member retention rate stands impressively at 94%.


  • A significant 61% of members have chosen plans with ratings of 4.5 stars and above, indicating a preference for higher-rated options.


Additionally, it is essential to acknowledge other positive aspects from evaluations of Humana Medicare Advantage plans in California:

  • Members have reported minimal issues with customer service.


  • Potential coverage benefits have been highlighted in assessments.


  • There are observations about a vast network of healthcare providers.


  • Transparency in plan details and modifications.


Quality of Care

Humana’s plans undergo quality assessments conducted by the National Committee for Quality Assurance (NCQA), with ratings ranging from about 4.0 out of 5.

Specific plans have achieved top scores, and these ratings are derived from a weighted average of various measures:

  • Healthcare Effectiveness Data and Information Set (HEDIS) measure ratings.


  • Consumer Assessment of Healthcare Providers and Systems (CAHPS) measure ratings.


  • Health Outcomes Survey (HOS) measure ratings.


  • Accreditation bonus points.


Tips for Choosing the Right Plan

Selecting the most suitable Medicare Advantage plan requires careful consideration of various factors. Here are key aspects to weigh:

  • Costs, encompassing premiums, copays, and out-of-pocket maximums.


  • Network availability, ensuring your preferred providers are within the network.


  • Possible Additional benefits and alignment with your specific needs and preferences. When evaluating these factors, consider regional differences, such as those found in areas like CA, CT, DC, DE, and many other states. It’s crucial to keep in mind that factors like race, national origin, age, disability, sex, and marital status play a role in your decision-making. Ultimately, the best plan for you depends on your individual healthcare needs, lifestyle, and budget.


Understanding Costs

Understanding the financial aspects associated with Humana’s Medicare Advantage Plans is crucial in making an informed decision.

Copays in these plans may represent predetermined amounts for specific services, such as primary care visits.

Additionally, the concept of out-of-pocket maximums could act as a safeguard, placing a limit on expenditures for covered services and offering financial protection.


Network Availability

Understanding network availability is a crucial element in selecting the appropriate plan. Your network consists of healthcare providers who have a contractual agreement with Humana to deliver healthcare services.

In-network providers have a signed contract with Humana’s health plans, and may offer services that could come at a lower cost than out-of-network providers who lack such agreements.



To sum up, the Medicare Advantage Plans provided by Humana in California for 2025 may present a diverse range of options, ensuring comprehensive coverage for various health services. However, the specific plans and coverages have not been released yet, but be sure to check back to this website for more information.

With an average star rating that exceeds the national average, a commendable member retention rate, and a selection of plans tailored to different needs, Humana emerges as a strong contender in the realm of Medicare Advantage providers.

As you explore your health coverage alternatives, keep in mind that the optimal plan for you is the one that aligns most closely with your unique health requirements and financial circumstances.


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Frequently Asked Questions

What types of Medicare Advantage plans could Humana offer in California for 2025?

Humana provides various Medicare Advantage plans in California, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Special Needs Plans (SNP). Since the plans for 2025 have not been released yet, keep checking back to this website for updated information about the 2025 calendar year.


How do Humana’s HMO plans in California differentiate themselves?

Humana’s HMO plans prioritize coordinated care, offering a network of healthcare providers, lower monthly premiums, and an annual maximum out-of-pocket cost limit.


What flexibility do members enjoy with Humana’s PPO plans in California?

Humana’s PPO plans allow members to visit any Medicare-approved physician, providing flexibility without the need for referrals.


What specialized plans are available for individuals with specific health conditions in California?

Humana offers Special Needs Plans (SNPs) tailored for conditions like diabetes and dual eligibility for Medicare and Medicaid.


Are some prescription drugs covered in Humana’s Medicare Advantage plans for California?

Yes, Humana’s Medicare Advantage plans may include some prescription drug coverage with limitations and restrictions.


How does network availability impact the cost of healthcare with Humana in California?

In-network providers, who have contracts with Humana, may offer services that could be at lower costs compared to out-of-network providers.



How does Humana’s star rating for 2025 Medicare Advantage plans compare to the national average?

Based on data from 2024, it is predicted that Humana’s 2025 Medicare Advantage plans could have an average star rating of 4.34, surpassing the national average of 4.04.


What are some considerations when evaluating the quality of care in Humana’s Medicare Advantage plans in California?

Quality of care ratings, assessed by the National Committee for Quality Assurance, are from 4.0, based on measures such as HEDIS, CAHPS, HOS, and accreditation bonus points.


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Compare Medicare Plans

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Mon-Fri : 8am-9pm ET