Humana Medicare Advantage Plans Florida 2025

Looking for detailed information on Humana Medicare Advantage plans for Florida in 2025?

Navigate through the complexities with our clear and concise guide, providing insights into costs, benefits, and strategic considerations to help you select the most suitable plan for your health needs in the upcoming year.

 

Key Takeaways

  • Humana’s Medicare Advantage plans in Florida provide a range of options, including HMO, PPO, and PFFS, some of which have $0-premium plans. Approximately 89% of these plans include prescription drug coverage and additional benefits like dental, vision, and hearing without extra premiums.

 

  • Humana’s prescription drug coverage follows a tier-based system, and plan details can be accessed through MyHumana. The CMS Star Ratings have honored Humana’s HMO plan with a 5-star rating, signifying exceptional performance and higher member satisfaction compared to regional averages.

 

  • Enrollment in Humana plans is subject to annual Medicare contract renewal. The company has designed special needs plans specifically for dual-eligible residents in Florida, and local programs like SHINE offer resources for Medicare assistance.

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Overview of Humana Medicare Advantage Plans in Florida

 

Humana Medicare Advantage Plans Florida 2025 Overview of Humana Medicare Advantage Plans in Florida

 

Medicare Advantage stands out as a comprehensive alternative to Original Medicare, encompassing similar benefits and additional perks like dental and vision coverage.

Humana, a significant player in this program, presents a variety of Medicare Advantage plans, including HMO, PPO, and PFFS options, along with stand-alone prescription drug plans under a Medicare contract. Through Humana’s insurance services, beneficiaries can easily find a suitable plan, including those in search of Medicaid services.

Eligible Medicare beneficiaries in Florida now have the option to enroll in a $0-premium Medicare Advantage plan offered by Humana. As of 2025, Florida residents can choose from 613 Medicare Advantage plans.

In terms of affordability, Humana’s Medicare Advantage plans often deliver enhanced benefits at a lower cost compared to the combination of Original Medicare and a Medicare Supplement Insurance plan.

Key points about Medicare Advantage plans in Florida include:

  • Florida offers a choice of 613 Medicare Advantage plans.
  • Humana provides a $0-premium Medicare Advantage plan in the state.
  • Medicare Advantage plans typically offer improved benefits at a more economical rate than Original Medicare combined with a Medicare Supplement Insurance plan.
  • The average monthly premium for a Medicare Advantage plan in Florida is $10.38 in 2025.
  • Some Medicare Advantage plans in Florida feature lower-cost preferred pharmacies, providing additional savings.

 

Humana’s commitment to addressing the diverse needs of beneficiaries is evident in their latest lineup of Medicare Advantage and Prescription Drug Plan offerings for 2025.

 

Key Features of Humana’s 2025 Plans

 

Humana Medicare Advantage Plans Florida 2025 Key Features of Humana's 2025 Plans

 

The Humana Medicare Advantage plans for 2025 are crafted with a diverse set of features, aiming to offer comprehensive coverage to beneficiaries. Notably, 89% of Humana’s Medicare Advantage plans available for individual enrollment will encompass prescription drug coverage.

These plans typically provide additional benefits without extra premiums, including:

  • Dental
  • Vision
  • Hearing
  • Transportation
  • Support related to origin, age, disability, sex, sexual orientation, gender identity, marital status, and expression of transgender status

 

However, it’s important to note that they might have restricted provider networks and utilize cost management tools like prior authorization.

The projected average monthly plan premium for all Medicare Advantage enrollees is expected to be $18.50 in 2025, excluding the Medicare Part B premium that beneficiaries are obligated to pay.

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Extra Benefits and Services

Beyond the essentials, the additional benefits in Medicare Advantage plans encompass extra services not provided in traditional Medicare and fall under the category of ‘primarily health-related.’

In 2025, 97% or more of individual plans, including those offered by Humana, offer the following supplementary services:

  • Vision coverage
  • Fitness coverage
  • Hearing coverage
  • Dental coverage

 

Humana’s offerings stand out with the inclusion of telehealth benefits. Since 2020, Medicare Advantage plans, including those by Humana, have been allowed to integrate telehealth benefits into the fundamental benefit package.

Some plans may also grant access to specialized care providers, such as CenterWell Health Care Services, for additional support.

Dental benefits coverage in Humana Medicare Advantage plans can vary and might include services like cleanings, preventive care, or more comprehensive dental services. These benefits often have an annual dollar cap and may vary by state.

 

Prescription Drug Coverage

Humana’s Medicare Advantage plans offer comprehensive prescription drug coverage, and here are key details to consider:

  • Information about the drug formulary and pricing can be accessed through MyHumana.
  • Coverage details and referral criteria may vary among different plans.
  • The specifics of drug coverage depend on the chosen individual Humana plan.

 

It’s important to be aware of potential limitations or restrictions on prescription drugs within Humana’s Medicare Advantage plans. For precise details, consulting the official Humana website or reaching out to Humana directly is recommended.

In Florida, members can log in to MyHumana to review the list of drugs covered by their specific Humana Medicare Advantage plan. Humana’s Medicare Advantage plans categorize prescription drugs into tiers, influencing the cost-sharing amounts for medications.

CMS Star Ratings and Customer Satisfaction

 

Humana Medicare Advantage Plans Florida 2025 CMS Star Ratings and Customer Satisfaction

 

The CMS Star Ratings for Medicare Advantage Plans involve the consolidation of specific measures within each category to determine an overall Star Rating for each plan. These ratings range from one to five stars, where one star signifies subpar performance and five stars represent exceptional performance.

Humana’s dedication to quality is evident in its CMS Star Ratings for 2025. The Humana Medical Plan, Inc. HMO plan has achieved an impressive 5-star rating from CMS, highlighting its exceptional performance.

Additionally, Humana leads in the percentage of members in 4+ star contracts among all national health plans.

In terms of customer satisfaction, Humana sets itself apart with the following key points:

  • Humana’s member satisfaction score in Florida is 670 points.
  • This surpasses the regional average of 645 points.
  • Humana outperforms competitors like UnitedHealthcare and Aetna.

 

 

Comparing Humana to Other Providers in Florida

While Humana offers an extensive selection of Medicare Advantage plans, it’s important to recognize that other providers have made strides in enhancing their offerings.

In 2025, UnitedHealthcare and Alignment Health have collaborated with Walgreens to deliver Medicare Advantage plans, underscoring the competitive landscape among Medicare Advantage providers in Florida.

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Enrollment Process and Eligibility

Securing enrollment in Humana plans hinges on the renewal of their contract with Medicare, a process that occurs annually. Therefore, the availability of Humana’s plans is contingent upon the successful renewal of their Medicare contract each year.

For Florida residents who are dual-eligible, Humana collaborates with the State of Florida, Agency for Health Care Administration to offer special needs plans. These specialized plans are designed to meet the distinct needs of this demographic, delivering crucial support and services.

Prospective applicants seeking enrollment in Humana’s Medicare Advantage plans in Florida must furnish personal information, including their date of birth, address, and Medicare number during the application process.

 

Navigating Provider Networks and Rural Accessibility

 

Humana Medicare Advantage Plans Florida 2025 Navigating Provider Networks and Rural Accessibility

 

Humana boasts an expansive provider network in Florida that includes family doctors or primary care physicians (PCP), providing a cost-effective alternative to seeking services from out-of-network doctors.

Members seeking access to Humana’s provider network in Florida are urged to reach out to the number provided on the back of their insurance card for assistance. This service is dedicated to providing information on the plan’s benefits, inclusive of out-of-network options.

In an effort to improve healthcare accessibility in rural areas of Florida, Humana employs various strategies. These initiatives involve the establishment of primary care centers in rural locations and the implementation of telemedicine services to broaden the reach of healthcare services.

Tips for Choosing the Right Plan

Selecting the appropriate Medicare Advantage plan requires a thoughtful evaluation of multiple factors, such as:

  • Financial costs
  • Coverage within the network
  • Prescription drug coverage
  • Additional supplementary benefits

 

When appraising Medicare Advantage plans, it’s crucial to consider:

  • The financial implications of the plan
  • Whether your preferred physician is part of the network
  • Inclusion of your necessary medications
  • Presence of dental benefits
  • Additional advantages offered by the plan

 

Florida Medicare Resources and Support

For Florida residents exploring Medicare options, resources such as the SHINE program and other state-specific aids can prove valuable.

The SHINE program provides free information and counseling on Medicare choices, procedures, and associated costs.

Accessing SHINE program services can be done through the official website or by directly reaching out to the program.

Summary

Humana’s extensive range of Medicare Advantage plans provides Florida residents with diverse options to address their healthcare requirements.

These plans encompass prescription drug coverage and supplementary benefits such as dental and vision coverage, aiming to deliver comprehensive coverage at an affordable price.

Selecting the appropriate Medicare Advantage plan requires thoughtful consideration of factors like costs, network coverage, prescription coverage, and additional benefits.

Equipped with resources like the SHINE program and the insights shared in this guide, you have the tools to make an informed decision about your healthcare coverage in the year 2025.

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Frequently Asked Questions

 

What types of Medicare Advantage plans does Humana offer in Florida for 2025?

Humana provides various plan options, including HMO, PPO, and PFFS, each tailored to different healthcare needs in Florida for 2025.

 

Do Humana’s Medicare Advantage plans in Florida have $0-premium options?

Yes, Humana offers $0-premium Medicare Advantage plans in Florida, providing affordable access to comprehensive coverage.

 

What percentage of Humana’s Medicare Advantage plans in Florida includes prescription drug coverage?

Approximately 89% of Humana’s Medicare Advantage plans in Florida for 2025 include prescription drug coverage.

 

How can beneficiaries access prescription drug formulary and pricing information for Humana’s plans in Florida?

Beneficiaries can find drug formulary and pricing details through MyHumana, providing easy access to plan-specific prescription information.

 

What additional benefits, beyond the essentials, are offered by Humana’s Medicare Advantage plans in Florida?

Humana’s plans may include supplementary benefits like dental, vision, hearing, transportation, and additional support, all without extra premiums.

 

 

How does Humana support healthcare accessibility in rural areas of Florida?

Humana enhances healthcare accessibility in rural areas by establishing primary care centers and providing telemedicine services to expand healthcare access.

 

 

What is the projected average monthly plan premium for all Medicare Advantage enrollees in Florida for 2025?

The projected average monthly plan premium for all Medicare Advantage enrollees in Florida is estimated to be $18.50 in 2025.

 

 

How has Humana’s CMS Star Rating reflected its performance in Florida for 2025?

Humana’s commitment to quality is evident in achieving a 5-star rating for the Humana Medical Plan, Inc. HMO plan in 2025, indicating exceptional performance.

 

Are there special needs plans available for dual-eligible residents in Florida through Humana?

Yes, Humana offers special needs plans in collaboration with the State of Florida, catering to the unique needs of dual-eligible residents.

 

How can Florida residents access information and counseling on Medicare options through state-specific resources?

Florida residents can benefit from resources like the SHINE program, offering complimentary information and counseling on Medicare options, processes, and costs.

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Compare Medicare Plans

Find a plan to fit your needs

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Speak with a licensed insurance agent

1-844-350-0776
TTY 711

Mon-Fri : 8am-9pm ET