Humana Medicare Advantage 2024-2025 Review: Pros, Cons, Costs

Humana Medicare Advantage pros and cons

Our full review

Humana Medicare Advantage star ratings

Average star rating, weighted by enrollment: 3.63

Humana Medicare Advantage plans are rated below the industry average, receiving an average rating of 3.63 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment. For comparison, the average weighted star rating for plans from all providers is 3.95.

Only 26% of Humana's Medicare Advantage members who are in rated plans are in plans rated 4 stars or more for the 2025 plan year. No Humana plans in 2025 received 5 stars^[0]

CMS maintains its own database of star ratings on every Medicare Advantage and separate Medicare Part D plan, ranging from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

All Medicare Advantage plans are evaluated on health plan measures, and Medicare Advantage plans that include prescription drug coverage are also evaluated on drug plan measures.

You can find a plan's rating with the Medicare plan finding tool.

What does Humana Medicare Advantage cost?

About half (49%) of Humana’s Medicare Advantage plans in 2025 have a $0 monthly premium^[0]

(Most people pay this standard Part B amount, but if your income is above a certain threshold, you'll pay the income-related monthly adjustment amount (IRMAA). Some Medicare Advantage plans cover part or all of your Part B premium.)

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

• Whether the plan covers any part of your monthly Medicare Part B premium.

• The plan's deductibles.

• Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

• The plan’s in-network and out-of-network out-of-pocket maximums.

• Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

• Whether you require extra benefits, and if the plan charges for them.

Here are examples of Humana Medicare Advantage costs for some popular plans in a mid-range city:

To get a sense of costs, use Medicare’s plan finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Humana plans, or compare across carriers.

Humana Medicare Advantage plan types

Humana offers Medicare Advantage prescription drug plans as well as stand-alone prescription drug plans and Medicare Advantage plans without drug coverage. And Humana and USAA have partnered to offer the Humana USAA Honor Giveback plan — part of the Humana Honor portfolio designed for veterans — that offers a Part B Giveback.

Other plan offerings include the following types:

Third-party ratings

AM Best Financial Strength Rating: A (Excellent) for most

AM Best is a credit rating agency that specializes in the insurance industry. In September 2023, AM Best upgraded the Financial Strength Rating to A (Excellent) from A- (Excellent) for Humana Health Group.

AM Best also affirmed an FSR of B++ (Good) for Humana Insurance of Puerto Rico Inc. and Humana Health Plans of Puerto Rico Inc., which are Humana subsidiaries^[0]

An A rating in this category indicates that AM Best believes Humana has an excellent ability to meet its ongoing insurance obligations. (The two subsidiaries with a B++ rating are deemed to have a “good” ability to meet ongoing insurance obligations.)

J.D. Power Ranking

In its 2024 U.S. Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest state Medicare markets, and here’s how Humana ranked out of all major providers^[0]

• California: 7th out of 8.

• Florida: 5th out of 6. 

• Georgia: 2nd out of 4.

• Illinois: 3rd out of 5.

• Michigan: 4th out of 4.

• New York: 5th out of 5.

• North Carolina: 4th out of 4.

• Ohio: 3rd out of 4.

• Pennsylvania: 7th out of 7. 

• Texas: 2nd out of 6.

NCQA Score Range: 2.5 to 4.0 out of 5

The National Committee for Quality Assurance rates health insurance plans on a 5-point scale (with 5 being best) based on quality of care, patient satisfaction and health plans’ efforts to keep improving.

In its September 2024 ratings of Humana plans, the NCQA awarded ratings between 2.5 and 4.0 stars. About 10% of the rated plans received a 4.0, and the rest received a 3.5 or lower. Five plans received a 2.5 rating^[0]

Humana Medicare Advantage service area

Humana offers Medicare Advantage plans in 48 states, Washington, D.C., and Puerto Rico. Humana Medicare Advantage plans are available in 89% of U.S. counties.

Humana is the second-largest for-profit Medicare Advantage provider, adding 412,000 new Medicare Advantage members for the 2024 plan year, according to health care analytics firm The Chartis Group^[0]

Read the NerdWallet reviews of these other Humana Medicare offerings:

• Humana Medicare Supplement Insurance (Medigap).

• Humana Medicare Part D prescription drug plans.

Humana customer service

Humana members can contact their plan’s customer service in the following ways:

• Call 800-457-4708 (TTY: 711), which is available daily from 8 a.m. to 8 p.m. Eastern time.

• Use online chat, after you've logged into your account.

Are Medicare and Humana Medicare Advantage the same?

Original Medicare is federal government-provided health insurance for people 65 and older and those under 65 with certain conditions or disabilities. Medicare Advantage is a bundled alternative to Original Medicare, provided by private insurance companies like Humana, that provides the same coverage as Original Medicare, and usually prescription drug coverage.