Humana Medicare Advantage Plans Idaho 2025

Embarking on the healthcare journey can be intricate, particularly when faced with the decision of selecting the optimal Medicare Advantage Plan.
In the scenic state of Idaho, Humana presents a variety of Medicare Advantage Plans, each tailored to deliver a spectrum of benefits aimed at bolstering and enriching your health experience.
Let’s explore the details of these plans and the key considerations to weigh when determining the most suitable option for your needs.

Key Takeaways

  • In Idaho, Humana provides a diverse range of Medicare Advantage plans, including HMO, PPO, and PFFS, tailored to individual health needs. These plans go beyond Medicare Parts A and B, offering additional benefits like dental, vision, and hearing coverage.
  • To enroll in a Humana Medicare Advantage plan in Idaho, individuals must meet specific eligibility criteria and adhere to enrollment dates and deadlines, such as the Annual Election Period and the Medicare Advantage Open Enrollment Period.
  • The Humana Medicare Advantage plans in Idaho vary in monthly premiums, costs, and coverage details. Beneficiaries must conduct a comprehensive comparison based on their unique healthcare requirements and preferences.

Compare plans & rates for 2025
Enter Zip Code


Compare the Best Humana Medicare Advantage Plans

Humana’s Medicare Advantage plans are well-known for their extensive coverage and are accessible in various regions of Idaho, providing a wide array of options to accommodate diverse needs.
These plans are designed with individuality in mind, coming in different types such as HMO, PPO, and PFFS, each offering unique features and benefits that can be customized to address your specific health needs.
In addition to the fundamental benefits of Medicare Parts A and B, these plans go above and beyond by providing robust coverage, including routine dental, vision, and hearing care. This makes them a holistic healthcare solution for Medicare beneficiaries, ensuring comprehensive support for their health and wellness.

Types of Humana Medicare Advantage Plans

Humana presents a trio of primary Medicare Advantage plans tailored to diverse preferences: Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Private Fee-For-Service (PFFS) plans.
Take, for instance, the HumanaChoice PPO plan, strategically crafted to grant broader access to medical care across various states, including Idaho. While encompassing dental, vision, and hearing services, it typically comes with a higher monthly rate compared to other Humana plans.
In contrast, Humana’s Medicare Advantage HMO and PPO plans, often referred to as Medicare Advantage HMO PPO, follow the models of Health Maintenance Organization and Preferred Provider Organization.
These plans involve selecting a primary care physician and obtaining referrals for specialist care. Their distinction lies in the potential for cost-effectiveness due to the managed care system, setting them apart from alternative Medicare Advantage choices.
The Private Fee-For-Service (PFFS) plan offered by Humana stands out for its flexibility, granting Medicare beneficiaries the freedom to choose any healthcare provider accepting the plan’s payment terms. This includes the advantage of accessing lower-cost preferred pharmacies.
This feature distinguishes the PFFS plan from other Humana Medicare Advantage options, providing members with the liberty to select healthcare services without being confined to a predefined network of providers.

Key Benefits and Features

Humana’s commitment to its members is reflected in the stellar quality ratings and positive customer satisfaction linked to its Medicare Advantage plans.
The commendable quality ratings are a result of the meticulous evaluation process conducted by the Centers for Medicare and Medicaid Services (CMS), establishing Humana as one of the premier providers of Medicare Advantage plans.
To further enhance customer satisfaction, Humana has prioritized offering additional benefits. These perks include access to the SilverSneakers fitness program, discounted dental and vision care, and valuable resources for nutrition and weight management.
Going beyond the basics, Humana Medicare Advantage plans present a comprehensive healthcare solution that addresses not only your medical needs but also prioritizes your overall well-being through extensive coverage.

Comparing Humana Medicare Advantage Plans in Idaho

Just as no two fingerprints are alike, individuals’ healthcare needs are equally unique. Therefore, it’s essential to compare different Humana Medicare Advantage plans in Idaho to discover the one that best aligns with your distinct health profile.
This entails evaluating factors like monthly premiums, coverage, and benefits.
The anticipated average monthly premiums for Humana Medicare Advantage Plans in Idaho for 2025 are estimated to be around $18.50 per month. However, it’s important to note that additional expenses such as co-pays and deductibles may apply.
Furthermore, considering the specific coverage and benefits offered by each plan is crucial, as they can vary. This includes potential coverage for dental, vision, and hearing, in addition to the standard benefits of Medicare Parts A and B, which encompass preventive services.

Monthly Premiums and Costs

Humana’s Medicare Advantage plans offer a variety of choices when it comes to monthly premiums and costs, with some plans even featuring $0 monthly premiums. However, it’s important to note that the monthly premiums can vary based on the specific plan and coverage options.
For comprehensive details on the monthly premiums for their Medicare Advantage Plans in Idaho, it is recommended to visit the Humana website or contact their customer service.
Beyond monthly premiums, it’s crucial to consider the associated out-of-pocket costs. Humana Medicare Advantage Plans in Idaho have an out-of-pocket cost limit, and once this limit is reached, no further payment is required for covered services for the rest of the plan year.
The costs for prescription drugs under Humana Medicare Advantage Plans in Idaho may also vary depending on the specific plan and coverage. For information on the drugs covered by your plan and their pricing, it is advisable to log in to MyHumana.

Coverage and Benefits

Humana’s Medicare Advantage Plans in Idaho offer an extensive range of coverage and benefits to cater to diverse healthcare needs. These plans include routine dental, vision, and hearing benefits, as well as coverage for prescription drugs and various medical services.
The majority of Humana Medicare Advantage Plans in Idaho include prescription drug coverage, and you can easily access information about covered drugs and their costs through MyHumana.
In addition to prescription drug coverage, all Humana Medicare Advantage Plans in Idaho provide comprehensive benefits to their members. These benefits include dental coverage, vision benefits covering routine exams and allowances for frames and lenses, and additional vision allowances with certain qualifying plans.
Moreover, the plans offer coverage for hearing services, encompassing diagnostic exams and providing discounts on hearing aids and maintenance.

Enrollment Process for Humana Medicare Advantage Plans

Enrolling in a Humana Medicare Advantage plan is a simple process that involves meeting specific eligibility criteria and adhering to designated dates and deadlines.
To qualify for Humana Medicare Advantage Plans in Idaho, individuals must meet the eligibility criteria for Medicare, which includes being 65 years or older or meeting specific criteria for disability or end-stage renal disease if under 65.
Once you have confirmed your eligibility, you can initiate the application process by completing a form with your details, such as date of birth, address, and Medicare number.
The form is available for download on the official Humana website. Staying informed about enrollment dates is crucial to ensure a smooth continuation of your plan.

Eligibility Criteria

Eligibility for Humana Medicare Advantage Plans in Idaho is determined by various factors, excluding discrimination based on race, color, national origin, age, expression of transgender status, marital status, national origin, age, disability, and sex.
To qualify, individuals must meet one of the following criteria:

  • Be 65 years or older
  • Have a qualifying disability if they are under 65
  • Have end-stage renal disease (ESRD) requiring dialysis or a kidney transplant

Additionally, enrollment in Medicare Parts A and B is essential. Individuals can complete enrollment by contacting 1-800-772-1213 or reaching out to Medicare directly.
Individuals with employer-based insurance need to be aware that their company may require enrollment in both parts.
Your residence in Idaho can also impact eligibility for Humana Medicare Advantage Plans. The availability of plans may vary depending on your location, so it is advisable to verify with Humana or visit their website to confirm the Medicare Advantage plans accessible in your area.

Important Dates and Deadlines

Enrolling in a Humana Medicare Advantage Plan involves specific dates and deadlines that require attention. The Annual Election Period (AEP) is a significant timeframe, running from October 15th to December 7th each year.
Within this period, beneficiaries have the opportunity to enroll in Humana’s Medicare Advantage plans.
Another important timeframe is the Medicare Advantage Open Enrollment Period (OEP), taking place annually from January 1 to March 31.
During this period, individuals can make changes to their Medicare Advantage plans, handle contract renewals, or transition back to Original Medicare. It’s crucial to mark these dates in your calendar to ensure you take advantage of these enrollment opportunities.

Compare plans & rates for 2025
Enter Zip Code


Additional Resources for Idaho Residents

In addition to Humana’s Medicare Advantage Plans, individuals in Idaho can access a variety of supplementary resources to navigate their healthcare journey.
The State Health Insurance Assistance Program (SHIP) and Medicare Savings Programs are among these resources, providing essential assistance for Medicare-related inquiries and financial support. These programs aim to enhance the overall healthcare experience for Idaho residents.

State Health Insurance Assistance Program (SHIP)

The State Health Insurance Assistance Program (SHIP) in Idaho, also referred to as the Senior Health Insurance Benefits Advisors (SHIBA), delivers complimentary and unbiased support to Medicare beneficiaries, including access to free language interpreter services.
This program serves as a valuable resource, offering information on Medicare benefits, with counselors available for assistance through in-person meetings, phone consultations, or email correspondence.
Residents of Idaho can reach out to SHIP for Medicare-related assistance through various channels, including:

  • Contacting the toll-free number 1-800-247-4422 during the operating hours of 8:00 AM to 5:00 PM Mountain Time.
  • Exploring the Idaho Department of Health and Welfare website.
  • Calling the dedicated helpline at 1-877-456-1233.

Medicare Savings Programs

Medicare Savings Programs, administered by the State of Idaho, provide additional financial assistance to eligible individuals with limited income and resources.
These programs include the Qualified Medicare Beneficiary (QMB) Program and the Specified Low-Income Medicare Beneficiary (SLMB) Program. Aimed at helping qualified individuals manage specific Medicare costs such as premiums, deductibles, and copayments, the benefits and coverage vary depending on the program and individual eligibility.
To apply for Medicare Savings Programs in Idaho, individuals can reach out to the Department of Health and Welfare at 1-877-456-1233 to request a mail-in application. Additionally, they can access free Medicare counseling through Idaho’s SHIBA program by calling 800-247-4422.

Tips for Choosing the Right Humana Medicare Advantage Plan in Idaho

Choosing the right Humana Medicare Advantage plan involves more than just comparing premiums and coverage.
It entails a comprehensive evaluation of your healthcare requirements, a thoughtful examination of provider networks, and a detailed assessment of additional benefits, which can vary across plans.
To discover the most suitable Medicare Advantage plans, it is essential to carefully consider all these factors before making a decision.

Assessing Personal Health Care Needs

Before choosing the right Humana Medicare Advantage Plan, it’s important to evaluate your individual healthcare needs. This process includes:

  • Assessing your current and anticipated medical needs.
  • Reviewing prescriptions.
  • Considering preferred healthcare providers.
  • Comparing costs, including premiums and out-of-pocket maximums.
  • Examining any additional benefits provided by the plan.

Prescription medication plays a crucial role in selecting a Medicare Advantage Plan in Idaho. It’s essential to choose a plan that includes the specific prescription drugs on its formulary, as most Medicare Advantage Plans offer prescription drug coverage.
Specialist care is also a vital consideration when evaluating a Medicare Advantage Plan. This involves verifying the presence of a network of specialists, such as cardiologists, dermatologists, or orthopedic surgeons, that you may require.
It’s essential to confirm that the plan includes the specific specialists you need and that they are conveniently accessible within the plan’s network.

Considering Provider Networks

A provider network is a prearranged group of healthcare providers, encompassing doctors, hospitals, and other healthcare professionals.
This network plays a crucial role in determining the coverage of healthcare providers under a plan and may include various types, such as Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO) networks. HMO plans in Medicare Advantage often offer reduced monthly premiums and lower out-of-pocket expenses, requiring members to designate a primary care physician.
On the other hand, PPO plans in Medicare Advantage typically involve higher monthly premiums but provide greater flexibility in selecting healthcare providers and do not mandate a primary care physician. These provider networks, operating under a Medicare contract, extend their services to Medicare Advantage members.
To confirm whether your preferred physician is within the Humana Medicare Advantage Plan’s network in Idaho, you can utilize the ‘Find Care’ tool on the Humana website. This tool allows you to search for providers within the Humana network and verify if your physician is included.
For those who prefer the flexibility to consult a specialist outside the provider network, Humana’s PPO (Preferred Provider Organization) plans to grant access to any Medicare-approved doctor, irrespective of their network affiliation.

Evaluating Additional Benefits

Considering the additional benefits is a key factor in identifying the most suitable Medicare Advantage Plan for your needs. Humana Medicare Advantage Plans in Idaho offer supplemental benefits that go beyond standard coverage.
These include allowances for eligible groceries, over-the-counter products, utilities, and rent. Additionally, these plans provide comprehensive coverage for dental, vision, and hearing needs.
The dental coverage in Humana Medicare Advantage Plans includes annual exams, two complimentary cleanings per year, dental X-rays once every 5 years, and potential coverage for services like fillings, dentures, and crowns.
In addition to dental benefits, Humana Medicare Advantage Plans in Idaho offer vision coverage that includes routine exams, an allocation for glasses and lenses once every 12 months, and frames once every 24 months from the last date of service.
The hearing coverage in Humana Medicare Advantage plans includes the provision for the cost of one hearing aid per ear every three years, covering the expense of the hearing aid itself. It’s important to note that some plans may have limitations on the number of hearing aids covered per year.
Moreover, certain Humana Medicare Advantage Plans provide fitness benefits, offering a complimentary membership to SilverSneakers. This membership grants access to nearby gyms and fitness centers, promoting overall health and well-being.


In conclusion, Humana’s Medicare Advantage Plans in Idaho present a comprehensive healthcare solution designed to meet diverse needs.
Whether you prioritize a broad provider network, extensive additional benefits, or a plan with $0 monthly premiums, Humana offers a range of Medicare Advantage Plans tailored to your preferences.
By carefully considering your individual healthcare needs, assessing provider networks, and evaluating additional benefits, you can identify a plan that ensures you receive the quality healthcare you deserve.
It’s important to recognize that the right plan goes beyond cost and coverage—it’s about finding a plan that aligns with your lifestyle and contributes to enhancing your overall well-being.

Frequently Asked Questions

What’s new with Humana in 2025?

In 2025, each Humana USAA Honor plan introduces a $0 monthly plan premium, Part B giveback, dental, vision, and hearing coverage, alongside Veterans Affairs healthcare, and access to specifically trained Humana Customer Care specialists.

Which is the best Medicare Advantage plan for 2025?

The top Medicare Advantage plans for 2025 would be from either UnitedHealthcare or Humana, offering a balanced combination of quality coverage, affordable costs, and an extensive provider network. (Source: October 20, 2023)

What is the Humana over-the-counter allowance for 2025?

In 2025, Humana will provide a $100 quarterly allowance for approved over-the-counter health and wellness products through their OTC Mail Order provider, with any unused amount expiring at the end of the quarter.

What are the drawbacks of Humana Medicare Advantage?

The drawbacks of Humana Medicare Advantage include a limited choice of doctors and medical offices and the potential for higher overall costs for individuals with complex medical needs. It may be more suitable for those without expensive treatments or tests.

What types of Medicare Advantage Plans does Humana offer in Idaho for 2025?

Humana offers a diverse range of Medicare Advantage plans in Idaho for 2025, including those with routine dental, vision, and hearing benefits.


In conclusion, Medicare Advantage plans offer an alternative to Original Medicare, providing cost-effective premiums, bundled coverage, and extra benefits.
However, they also come with limitations such as restricted provider networks, out-of-pocket expenses, and prior authorization requirements.
To make an informed decision about your Medicare coverage, it’s essential to assess your healthcare needs, compare plans and providers, and understand the enrollment process and plan changes.
By doing so, you can find the best Medicare Advantage plan for your needs and enjoy the peace of mind that comes with comprehensive healthcare coverage.

Compare plans & rates for 2025
Enter Zip Code


Frequently Asked Questions

What is the downside of Medicare Advantage?

A downside of Medicare Advantage is that it typically offers a limited choice of healthcare providers and facilities, as well as requiring prior authorization for some services, potentially resulting in higher out-of-pocket costs.

Why would someone choose a Medicare Advantage plan?

People choose Medicare Advantage plans for a variety of reasons, including extended benefits, financial protection, low monthly premiums, and coverage for services not included in Original Medicare. With MA plans, beneficiaries can enjoy the convenience of comprehensive coverage and additional benefits that address their specific needs.

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denials, slow payments from insurers, and allegations of billing fraud from the federal government.

Is it a good idea to switch to Medicare Advantage?

Considering the extra benefits such as prescription drug coverage, dental, hearing, and vision coverage, along with a mandatory out-of-pocket maximum, it can be a good idea to switch to a Medicare Advantage plan.

What are the main differences between Medicare Advantage and Original Medicare?

Medicare Advantage plans provide an all-inclusive package of benefits, while Original Medicare offers more flexibility in terms of provider choice and authorization requirements.

What are the key features of Medicare Advantage plans in Idaho?

Medicare Advantage plans in Idaho offer comprehensive coverage, combining hospital, doctor, and prescription drug services in one plan. With lower out-of-pocket costs compared to Original Medicare, these plans may also include additional benefits like dental, vision, and hearing services. It’s essential to ensure network compatibility for flexibility in choosing preferred healthcare providers. Many plans in Idaho emphasize preventive care through wellness programs, different from surrounding states like Montana. Find a suitable plan tailored to your specific healthcare needs.

Get Started Now

We can help make the process of finding the right Medicare Advantage plan easy.
To get started enter your zip code above to compare plans in your area, and even enroll online yourself!
Or, call us today to speak to one of our licensed insurance agents who can answer your questions and help find the best plan to fit your needs.