Humana Medicare Advantage Plans Maryland 2025

Are you preparing for Medicare in Maryland? Discovering the right Humana Medicare Advantage Plans in Maryland 2025 can significantly impact your healthcare journey.

This guide deciphers the variety of options, costs, and comprehensive benefits, directly answering your most pressing questions. Tailored for Marylanders, you’ll learn precisely what you need to choose with confidence as you navigate the complexities of Medicare Advantage plans specific to your state for the forthcoming year.


Key Takeaways

  • Humana Medicare Advantage plans in Maryland offer a range of options, including HMO, PPO, and PFFS plans to meet various healthcare needs and budgets, with additional benefits like vision, dental, and hearing care.


  • Nearly 94% of Humana Medicare Advantage members are enrolled in plans rated 4 stars and above by CMS, with four contracts receiving a 5-star rating, demonstrating Humana’s commitment to quality healthcare and customer satisfaction.


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Humana Medicare Advantage Plans in Maryland 2025


Humana Medicare Advantage Plans Maryland 2025 Humana Medicare Advantage Plans in Maryland 2025


Humana’s Medicare Advantage plans stand out due to their meticulous design, aimed at serving the diverse needs of Medicare beneficiaries. With an impressive array of plan types, Humana ensures that Medicare Advantage members can find a plan that aligns with their specific healthcare needs and budget constraints.

Whether you’re seeking a plan with a broad network, prefer a specific provider, or need flexibility in provider choice, Humana’s plans accommodate these preferences. The plethora of options, from Health Maintenance Organization (HMO) to Preferred Provider Organization (PPO) and Private Fee-for-Service (PFFS) plans, cater to a wide spectrum of healthcare needs and lifestyles.


Plan Types

Humana’s Medicare Advantage HMO plans are an excellent choice for individuals who prefer a network of healthcare providers.

By selecting a primary care physician to manage care, members can enjoy a coordinated approach to healthcare, which is a hallmark of HMO plans. Additionally, those interested in exploring other options may consider Medicare Advantage HMO PPO plans for added flexibility.

On the other hand, Humana’s PPO plans offer greater flexibility, allowing members to see providers both within and outside the network. While out-of-network services may incur higher out-of-pocket costs, the flexibility is a significant advantage for those who require more provider options, and the right Humana plan depends on individual needs.

For individuals seeking the utmost flexibility, Humana’s PFFS plans allow members to choose any Medicare-approved healthcare provider who agrees to the plan’s payment terms and conditions.


Key Features


Humana Medicare Advantage Plans Maryland 2025 Humana Medicare Advantage Plans in Maryland 2025


Humana Insurance Services’ Medicare Advantage plans, also known as Humana Plan, go beyond merely matching the coverage offered by Original Medicare. They exceed expectations by providing additional benefits that cater to the holistic health and wellness needs of their members in collaboration with Centerwell Health Care Services.

These added benefits include coverage for vision, dental coverage, and hearing care, proving that Humana’s commitment to their members’ health extends beyond basic medical needs. By considering the interconnectedness of various aspects of health, Humana ensures that its members receive comprehensive care that caters to their overall well-being.


CMS Star Ratings and Quality Measures

When evaluating Medicare Advantage plans, CMS Star Ratings and Quality Measures serve as a reliable compass. They provide a standardized way of measuring plan performance, enabling beneficiaries to make informed decisions based on quality and service.

The CMS Star Ratings system evaluates Medicare Advantage plans on a scale of 1 to 5 stars, with 5 being the highest. This scale considers several healthcare quality measures and customer service evaluations, providing an overall assessment of the plan’s performance.


Humana’s Star Ratings

Humana’s commitment to quality is reflected in its CMS Star Ratings. For 2025, nearly 5.5 million, or 94% of Humana Medicare Advantage members, are enrolled in plans rated 4 stars and above. Furthermore, four of Humana’s contracts have received a 5-star rating, testifying to their exceptional service quality.

Humana’s high ratings are attributable to their focus on quality performance measures related to:

  • Health outcomes


  • Preventive care


  • Managing chronic conditions


  • Member satisfaction


  • Customer service


Although specific details on their ratings in Maryland for 2023 are unavailable, Humana’s consistent performance nationally paints a promising picture of their service quality.


Quality Measures

Quality measures used by CMS aim to evaluate healthcare processes, outcomes, and patient perceptions. By focusing on care that is:

  • Effective


  • Safe


  • Efficient


  • Patient-centered


  • Equitable


  • Timely


These measures help ensure that Medicare Advantage plan members receive optimal care. Humana’s impressive performance in the CMS Star Ratings system is a testament to its commitment to high-quality healthcare and customer satisfaction.

In Maryland, policy developments and recommendations, such as those related to telehealth, are driven by studies from organizations like MHCC. These efforts underscore the importance of virtual care and appropriate payment models for telehealth services, aligning with Humana’s commitment to innovation and accessibility in healthcare.

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Cost and Coverage Details


Humana Medicare Advantage Plans Maryland 2025 Cost and Coverage Details


Grasping the details of cost and coverage in Medicare Advantage plans is a key step in making a well-informed decision. Humana Medicare Advantage plan members may experience:

  • Varying premium costs, with some plans even offering a $0 premium


  • Copays for certain medical services


  • Deductibles that can influence out-of-pocket costs


When striving for the best possible coverage, it’s vital to weigh these financial aspects alongside the array of benefits offered. Some Humana plans feature lower deductibles, adding to the overall value proposition.

These economic factors, coupled with the plan’s features and benefits, ought to steer your decision-making process while selecting a Medicare Advantage plan.



The average monthly premium for a Medicare Advantage Plan in Maryland is $34.86, as of 2023. This makes it an affordable option for many residents.

This represents a decrease from the 2022 average of $40.73, indicating a trend towards more affordable healthcare options for beneficiaries.

The range in premium costs among Humana’s Medicare Advantage plans allows beneficiaries to select a plan that aligns with their financial capabilities. Whether you’re looking for a $0 premium plan or are willing to pay a higher premium for more comprehensive coverage, Humana’s array of options caters to diverse financial circumstances.


Copays and Deductibles

Each insurer, including Humana, sets its own rules regarding copays and deductibles for the benefits provided. For many Humana Medicare Advantage plans, predictable copayments and no deductibles for a variety of services, along with providing maximum out-of-pocket protection, are key highlights.

Humana also offers Dual Eligible Special Needs Plans (D-SNPs) for individuals qualified for both Medicare and Medicaid. These plans feature $0 Rx copays for all covered Part D prescriptions.

Certain Humana Medicare Advantage plans also provide a flexible annual allowance to assist members with out-of-pocket costs for covered dental, vision, or hearing services – a testament to Humana’s commitment to comprehensive and affordable care.


Provider Network and Pharmacy Options


Humana Medicare Advantage Plans Maryland 2025 Provider Network and Pharmacy Options


A vital element of every Medicare Advantage plan is the accessibility of provider networks and pharmacy options for members. Humana’s pharmacy network in Maryland includes limited lower-cost, preferred pharmacies in urban areas, ensuring affordable access to medications for members.

While specific details regarding the size and scope of Humana’s provider network in Maryland are not available, the focus should be on the breadth and quality of providers.

Opting for a plan with a network that aligns with your healthcare needs and preferences is an important move towards guaranteeing the best possible healthcare results.


Provider Network

Choosing a Medicare Advantage plan involves careful consideration of the provider network. While specific details regarding the size and scope of Humana’s provider network in Maryland are not available, it’s important to remember that the quality of care is as important as the quantity of providers.

Whether you prefer a specific provider or require the flexibility to choose from a broad network, Humana’s diverse plan types accommodate these preferences. By ensuring that your healthcare providers are part of the Humana network, you can enjoy seamless access to care without worrying about out-of-network costs from other providers.


Pharmacy Options

Pharmacy options are a critical factor to consider when choosing a Medicare Advantage plan. Humana’s pharmacy network in Maryland includes over 60,000 pharmacies, ensuring wide accessibility to prescription drugs for Medicare Advantage members. Within this unified network, members also have access to preferred cost-share pharmacies.

In certain areas of Maryland, members can also opt for limited lower-cost preferred pharmacies. This flexibility in pharmacy options, combined with Humana’s comprehensive prescription drug plans, ensures that members can manage their health without worrying about the accessibility or affordability of their medications.

Additional Benefits and Services


Humana Medicare Advantage Plans Maryland 2025 Additional Benefits and Services


Humana’s Medicare Advantage plans in Maryland, operating under a Medicare contract, go beyond standard medical coverage to offer additional benefits aimed at improving health and wellness for served Medicare beneficiaries. These value-added services, including Medicaid services, consist of an over-the-counter medication allowance and transportation benefits, which help members manage their health and access healthcare facilities for their medical appointments.

These supplementary benefits embody Humana’s all-encompassing approach to healthcare. By tackling determinants that shape health outcomes, such as adherence to medication and care accessibility, Humana guarantees their members receive exhaustive support in health management.


Fitness Programs

Fitness is a key determinant of health and well-being, and it’s no surprise that Humana recognizes this in their Medicare Advantage plans. Most of Humana’s plans in Maryland include fitness benefits, such as gym memberships or fitness classes, putting health at the forefront, and encouraging members to prioritize their physical health.

One of the prominent fitness programs offered by Humana is SilverSneakers. This program provides access to gyms, exercise classes, and wellness services, enabling members to maintain an active lifestyle.

By promoting physical fitness, Humana helps members enhance their health, improve their quality of life, and potentially prevent or manage chronic conditions.


Telehealth Services

In the digital age, healthcare services are no longer confined to traditional settings. Telehealth services, included in Humana’s Medicare Advantage plans, allow members to consult with healthcare professionals remotely via audio-visual communication tools.

In Maryland, Humana’s telehealth services align with the state’s initiatives to promote access to virtual care. The telehealth options support the use of both audio-only and audio-visual technologies for a variety of health services, including somatic and behavioral health.

These services help overcome barriers to accessible and timely healthcare, enhance care coordination, and expand medical services to Health Professional Shortage Areas.


Enrollment and Eligibility

The last mile in your quest for the best Medicare Advantage coverage is comprehending the enrollment process and pertinent eligibility criteria. In Maryland, all Medicare beneficiaries have the option to enroll in a $0 monthly premium Medicare Advantage Plan, making quality healthcare accessible regardless of financial means.

Eligibility for enrolling in a Humana Medicare Advantage Plan includes having both Medicare Part A and Part B, residing in the plan’s service area, and not having end-stage renal disease, with certain exceptions. It’s crucial to take into account these prerequisites and the timeline in the enrollment process to guarantee a seamless shift to your selected plan.


Enrollment Process

Enrolling in a Humana Medicare Advantage plan involves specific timing and processes. The initial enrollment period (IEP) is a seven-month window that begins three months before the year you turn 65, includes the year you turn 65, and ends three months after the year you turn 65. If you’re under 65 and receive Social Security Disability Insurance (SSDI), you qualify for Medicare and the IEP after a specific period.

Another key enrollment time is the Annual Election Period (AEP), which runs from October 15 to December 7 each year. During this time, you can change your Medicare Advantage or prescription drug plan for the following year, making it an ideal time for contract renewal.

Additionally, Special Enrollment Periods (SEPs) allow for plan changes under certain circumstances, such as:

  • moving out of the service area


  • losing current coverage


  • being diagnosed with certain conditions, like amyotrophic lateral sclerosis (ALS) or end-stage renal disease (ESRD)


People in these situations are granted SEPs for plan enrollment.


Eligibility Requirements

To be eligible for Humana Medicare Advantage plans in Maryland, individuals must have both Medicare Part A and Part B. This ensures that you have hospital and medical coverage, which is crucial for comprehensive care.

Apart from having Parts A and B, enrollees must also reside in the service area of the plan they wish to join. This is to ensure that you have access to the providers and services covered by the plan.

Lastly, applicants cannot have end-stage renal disease (ESRD), with some exceptions. Understanding these eligibility requirements, including those related to national origin, age disability, sex, is key to a smooth enrollment process and optimal healthcare experience.


Choosing a Medicare Advantage plan is a crucial decision that impacts your health, well-being, and financial stability. Humana’s Medicare Advantage plans in Maryland, with their diverse plan types, impressive CMS Star Ratings, comprehensive coverage details, extensive provider network and pharmacy options, and additional benefits like fitness and telehealth services, provide a robust solution for your healthcare needs.

Remember to consider the enrollment process and eligibility requirements when choosing a plan. With this comprehensive guide, you’re well-equipped to make a decision that aligns with your healthcare needs and lifestyle preferences.

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Frequently Asked Questions


What is new with Humana in 2025?

In 2025, all Humana Medicare Advantage plans offer dental, vision, and hearing benefits, providing enhanced coverage options for beneficiaries.


What is the deductible for Humana in 2025?

In 2025, the deductible for Tier 1 and Tier 2 drugs with Humana is $0, while for Tier 3, Tier 4, and Tier 5 drugs the deductible is $545. After reaching this deductible, you only pay your cost-share.


Is Humana Medicare Advantage available in Maryland?

Yes, Humana offers Medicare Advantage plans with prescription drug coverage in Maryland, giving residents an alternative way to get their Original Medicare. With a total of 28 Medicare Advantage plans available in the state from various companies, including Humana, individuals have a range of options to choose from.


What types of plans does Humana offer in Maryland?

Humana offers a variety of Medicare Advantage plans in Maryland, including HMO, PPO, and PFFS plans. Consider exploring these options to find the best fit for your needs.


How does CMS evaluate Humana’s Medicare Advantage plans?

CMS evaluates Humana’s Medicare Advantage plans using a Star Ratings system, which considers healthcare quality measures and customer service evaluations. This system helps to assess the overall performance of these plans.

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