Humana Medicare Advantage Plans Minnesota 2025

Curious about the Humana Medicare Advantage plans for 2025? Our straightforward guide zeroes in on the precise updates, fresh benefits, and plan comparisons integral to your decision-making for “Humana Medicare Advantage plans Minnesota 2025”.

With no excess jargon, you’ll discover exactly what you need to navigate your Medicare options with confidence.


Key Takeaways

  • Humana offers various Medicare Advantage plans in Minnesota, including HMO, PPO, and PFFS plans, with different features like in-network provider requirements, flexible healthcare provider options, and consistent costs for in-network and out-of-network services.


  • Medicare contract renewal can lead to changes in plan coverage, provider networks, prescription drug coverage, and costs, and it is crucial for beneficiaries to update their information and stay informed about their enrollment records and potential adjustments during the renewal process.


  • Humana provides cost-saving opportunities through its preferred pharmacy network in urban areas, inclusive and nondiscriminatory policies supporting a diverse range of beneficiaries, and comprehensive healthcare services via the CenterWell Health Care Services for Medicare Advantage members.

Compare Medicare Plans

Find a plan to fit your needs


Speak with a licensed insurance agent

TTY 711

Mon-Fri : 8am-9pm ET

Understanding Humana Medicare Advantage Plans in Minnesota

Navigating the healthcare landscape can be complex, especially when it comes to choosing the right Medicare Advantage plan. Humana, one of the leading providers of Medicare plans, offers various types of Medicare Advantage plans in Minnesota, each designed to cater to the diverse needs of beneficiaries.


Medicare plans



These include Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Private Fee-For-Service (PFFS) plans, each with distinct features and benefits.


Medicare Advantage HMO Plans

Humana’s Medicare Advantage HMO Plans in Minnesota (md me mi mn) provide a comprehensive range of Medicare benefits.

These include prescription drug plans and routine dental, vision, and hearing benefits. However, these plans require members to use in-network providers for their healthcare needs.

While there are exceptions to this rule for members with status military or veteran in certain states, including Arizona, Florida, Illinois, Missouri, Tennessee, Nevada, ca ct dc de, these plans are generally beneficial due to their lower out-of-pocket expenses and reduced premiums.


Medicare Advantage PPO Plans

Unlike HMO plans, Humana’s Medicare Advantage PPO Plans offer beneficiaries increased flexibility when choosing their healthcare providers. With Medicare Advantage HMO PPO options available, these plans allow members to:


  • Select Medicare-approved physicians who agree to Humana’s plan terms and are willing to bill the plan
  • Enjoy potential prescription savings and $0 telehealth copays for in-network primary care physician appointments
  • Access additional benefits such as travel, dental, fitness programs, hearing aid savings, eyewear allowance, over-the-counter allowance, and even acupuncture.


Medicare Advantage PFFS Plans

Humana’s Medicare Advantage PFFS Plans offer the convenience of addressing beneficiaries’ Medicare needs through the Gold Choice Medicare plan, including military service personnel.

These plans also provide additional benefits such as dental, vision, and hearing coverage, regardless of your sexual orientation gender identity.

The unique structure of PFFS plans offers the following benefits:


  • Determining payment amounts for services at the time of care
  • Offering a wider range of provider options
  • Maintaining consistent costs for both in-network and out-of-network services.


The Importance of Medicare Contract Renewal

Renewing your Medicare contract is a vital step in preserving your Medicare Advantage plan. This procedure routinely updates your enrollment record, placing your health and well-being at the center of your Medicare Advantage plan.


The Importance of Medicare Contract Renewal



The renewal process can impact your Humana Medicare Advantage Plan by offering the opportunity to modify your plan or enroll in a new one during the Medicare Open Enrollment or Special Enrollment periods.

It can also affect the benefits and coverage offered by Humana Medicare Advantage Plans, leading to potential changes in plan coverage, provider networks, prescription drug coverage, and costs.


How Contract Renewal Affects Your Plan

When your contract is renewed, you might notice changes to your plan. The renewal of a Medicare contract does not have an immediate impact on your coverage, but it may lead to alterations in your plan’s premium, deductible, and coverage, potentially influencing your overall expenses.

Contract renewal might also bring about changes in provider networks, as it can lead to modifications in agreements between insurers and healthcare providers. These alterations could prompt hospitals and other providers to reconsider their participation in Medicare Advantage plans.


Preparing for Contract Renewal

To prepare for the renewal of your Humana Medicare Advantage contract, follow these steps:


  1. Ensure that your contact information is up to date.
  2. Regularly monitor your mail for any updates or alterations related to your plan.
  3. Keep in mind the timing of the Annual Election period, typically in October.
  4. Verify that your plan continues to cover the services you require.

Lower Cost Preferred Pharmacies and Urban Areas

Adhering to your prescribed medication regimen is key to putting health first and managing your health conditions. Nonetheless, the expense of prescription medications can pose a considerable challenge.


Humana medicaid



Humana tackles this problem by providing more affordable preferred pharmacies, especially in city areas.

Utilizing these pharmacies allows for savings on your prescription expenses.


Finding Preferred Pharmacies

Finding preferred pharmacies within the Humana network is straightforward. You can use the Pharmacy Finder tool available on the Humana website. By entering your ZIP code or Humana member ID, you can search for in-network retail pharmacies.

Preferred pharmacies offer medications at a reduced cost compared to standard in-network pharmacies, helping you to save on your prescription costs.


Saving Money with Preferred Pharmacies

Opting for preferred pharmacies enables significant savings on your prescription medication expenses. These pharmacies often provide prescriptions at a discounted rate, resulting in lower copays and premiums.

In Minnesota, preferred pharmacies within the Humana network include:


  • CenterWell Pharmacy (mail-order)
  • Walmart
  • Walmart Neighborhood Market
  • Sam’s Club
  • Publix
  • H-E-B


Nondiscrimination and Inclusivity in Humana Plans

Humana is committed to providing equal access and support for all Medicare beneficiaries.


Humana inc



The company upholds non-discrimination and inclusivity within its Medicare Advantage Plans by prohibiting exclusion based on:


  • Race
  • Color
  • National origin
  • Age
  • Disability
  • Sex sexual orientation gender
  • Disability sex sexual orientation
  • Expression transgender status marital


Humana Insurance Company also offers support to beneficiaries with disabilities through its Humana Plan Special Needs Plans (SNPs), which offer comprehensive benefits tailored to meet the needs of individuals with disabilities, including those with dual eligible special needs.

Compare plans & rates for 2025

Enter Zip Code



Free Language Interpreter Services

Communication is crucial when it comes to understanding your healthcare plan. Recognizing this, Humana provides free language interpreter services for members who require assistance due to a language barrier or need additional support.

These services are available through Humana Customer Service or qualified oral interpretation services provided by Humana.


Supporting Diverse Medicare Beneficiaries

Humana’s commitment to diversity and inclusivity includes:


  • Offering free language interpreter services
  • Providing bilingual customer service
  • Offering Medicare Advantage Plans that accommodate the unique needs of diverse populations.

Comparing Costs, Coverage, and Benefits by Location

Selecting a Medicare Advantage Plan is a personalized decision. The expense, coverage, and advantages of Humana Medicare Advantage Plans can fluctuate based on multiple factors, including the chosen plan and the individual’s geographical location. In fact, the suitability of a humana plan depends on these factors.

This means that a plan that works well for someone living in one area might not be the best fit for someone in a different location.


Factors Affecting Plan Offerings

Numerous factors can shape the accessibility and attributes of Medicare Advantage plans across various locations. These encompass:


  • Health status and healthcare usage
  • Supplementary coverage and premiums
  • Benefits and costs of Medicare Advantage plans
  • Providers and satisfaction
  • State legislation
  • Population demographics
  • Size of healthcare provider networks


How to Compare Plans

Once you understand the factors that affect plan offerings, you can start comparing the costs, coverage, and benefits of different plans based on your location. Resources like Medicare’s plan finder or Humana’s comparison tools can help you conduct a comprehensive analysis of premiums, deductibles, and co-payments.

These tools also provide valuable insights into the coverage details of each plan.


Stand-Alone Prescription Drug Plans and Humana Network

As previously noted, prescription drug coverage is a critical component of any healthcare plan.


Aetna medicare advantage



Humana provides stand-alone prescription drug plans which, when combined with Original Medicare, broaden coverage for prescription drugs, guaranteeing members’ access to medicinal benefits.


Understanding Stand-Alone Prescription Drug Plans

Stand-alone prescription drug plans, or PDPs, are independent plans designed to offer coverage for prescription drugs. Humana offers these plans, which can be used to complement Original Medicare, streamlining healthcare administration and helping to cover the costs of prescription medications.


Accessing the Humana Network

For prescription drug coverage, Humana members can access the Humana network, which includes the Humana Walmart Value Rx Plan™ (PDP), Humana Premier Rx Plan™ (PDP), and Humana Basic Rx Plan™ (PDP).

These plans offer a formulary of covered drugs selected by Humana in consultation with healthcare practitioners and provide a range of retail and mail-order options for filling prescriptions.


CenterWell Health Care Services and Medicare Advantage Members

CenterWell Health Care Services, a Humana affiliate, is committed to providing primary care centered on seniors to aid Humana’s members in attaining their best health. Medicare Advantage members can access these services without any extra charges, offering supplementary coverage for prescriptions, dental, and vision care.


What is CenterWell Health Care Services?

CenterWell Health Care Services offers a range of services including:


  • Senior primary care
  • Home health
  • Pharmacy services
  • Advanced care planning
  • Disease management programs
  • Hospital care coordination
  • Personalized home healthcare


Humana Insurance Services are designed to complement Humana’s Medicare Advantage plans, enhancing the standard benefits and offering comprehensive health support to its served Medicare beneficiaries.


Benefits for Medicare Advantage Members

Medicare Advantage members utilizing CenterWell Health Care Services can benefit from services like senior primary care and Primary Care Anywhere without incurring additional costs, as these services are encompassed in their plan.


Wellcare medicare



The advantages of these services go beyond mere care provision – they also include extensive support for health and wellness management.


In conclusion, understanding your Humana Medicare Advantage plan is crucial to leveraging its benefits fully. From the various types of plans available to the importance of contract renewal and the cost-saving advantages of preferred pharmacies, the more you know about your plan, the better equipped you’ll be to make informed decisions about your healthcare.

Humana’s commitment to inclusivity, diversity, and equal access, coupled with the additional benefits offered by CenterWell Health Care Services, further enhances the value of these plans. In the end, the right Humana Medicare Advantage plan for you depends on your individual healthcare needs and circumstances.

Compare plans & rates for 2025

Enter Zip Code



Frequently Asked Questions


What is new for Humana 2025?

In 2025, Humana is offering dental, vision, and hearing benefits in all Medicare Advantage plans, providing more comprehensive coverage for beneficiaries.


Who has the best Medicare Advantage plans for 2025?

For the best Medicare Advantage plans in 2025, Humana stands out with high ratings, good benefits, and no-monthly-cost options, making it a top choice for most people. AARP/UnitedHealthcare and Kaiser Permanente also offer competitive plans and customer service, making them worth considering.


How much is Humana OTC allowance for 2025?

The Humana OTC allowance for 2025 is $100 quarterly for purchasing approved over-the-counter health and wellness products through their OTC Mail Order provider. Unused amount expires at the end of the quarter.


Why are people leaving Medicare Advantage plans?

Many people are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers.


What are the differences between HMO, PPO, and PFFS plans?

In summary, HMO plans focus on in-network providers with cost benefits, PPO plans offer flexibility with Medicare-approved physicians, and PFFS plans determine payment amounts at the time of care with a wider range of provider options.

This can help you understand the differences between these types of plans.

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.

call now

Compare Medicare Plans

Find a plan to fit your needs


Speak with a licensed insurance agent

TTY 711

Mon-Fri : 8am-9pm ET