2026 Humana Medicare Advantage Plans by Area

Overview of Humana Medicare Advantage Plans

Humana’s Medicare Advantage lineup includes:

• HMO plans – Lower cost, referral-based, network-driven care.

• PPO plans – Greater flexibility to see in- and out-of-network doctors without referrals.

• PFFS plans – Freedom to see any Medicare-approved provider who accepts Humana’s payment terms.

Humana offers coverage across urban, suburban, and rural areas, ensuring coordinated, preventive, and specialty care wherever you live.

Finding Plans in Your Area

To check availability:

• Enter your zip code above to use our plan finder on this website.

• Compare Medicare Advantage plans in 2026 from multiple companies side-by-side

• Call us today at 1-844-709-9937

Plan Types and Benefits

Humana HMO

• Requires a primary care provider for care coordination.

• Typically lower premiums and copays.

• Referrals needed for most specialists.

• Strong emphasis on preventive care and chronic condition management.

Humana PPO

• No referrals for specialists.

• Flexibility to see doctors outside the network (higher costs apply).

• Well-suited for travelers or those with preferred providers.

Humana PFFS

• No referrals, no network limitations—any Medicare-approved provider may accept.

• Greater independence in choosing providers.

• Useful for members who want maximum freedom of choice.

Costs, Coverage, and Benefits

Humana members are responsible for:

• Medicare Part B premium

• Any plan premium (some $0 premium options available)

• Optional add-on benefit costs

Humana plans often include:

• Dental, vision, and hearing coverage

• OTC allowances

• Wellness programs and gym memberships

• Telehealth services

• Lower-cost preferred pharmacy options

Humana emphasizes equitable access with:

• Free language interpreter services

• Inclusive policies supporting diverse gender identities and backgrounds

• Veteran-specific plan designs

Humana Medicare Advantage plans are available across a wide footprint, including states such as:

• California, New York, Ohio, Pennsylvania, Oregon

• Alabama, Georgia, Illinois, Kentucky, Tennessee, Virginia

• Michigan, Minnesota, Missouri, Wisconsin, Washington, Wyoming

Coverage specifics—costs, networks, and benefits—depend on your county and ZIP code.

Humana Medicare Advantage plans in 2026 continue to provide strong value through $0 premium options, broad plan types (HMO, PPO, PFFS, SNPs), and extras like dental, vision, OTC, and wellness benefits. With a wide network and inclusive member policies, Humana remains one of the leading Medicare Advantage providers in the U.S.

But the best plan for you depends on your doctors, prescriptions, and budget. Comparing local options before enrolling is the key to finding the right fit.

👉 Call 1-833-641-4938 today to compare Humana Medicare Advantage and MAPD plans in your area for 2026. Licensed agents can walk you through your choices, answer questions, and help you secure the coverage that works best for your healthcare needs.