Humana Medicare Part D 2024 Review

Humana offers more $0-deductible drug tiers than some competitors and has average star ratings, but its premiums can be high.

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Written by Alex Rosenberg
Lead Writer
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Edited by Holly Carey
Assigning Editor
Fact Checked
Humana Medicare Part D - Chapter

Humana

3.49

CMS Star Rating

Humana Medicare Part D plans tend to cost more than competitors' offerings, and they have average star ratings from CMS. Humana outperforms competitors on a few measures, but falls behind on ratings for members' experience using the plan to get medications.

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Out-of-pocket costs

Varies


Member experience

2.5 (Below average)


Out-of-pocket costs

Varies


Member experience

2.5 (Below average)


Pros

  • $0 deductibles are available for drugs on multiple tiers with some plans.
  • Highest ratings for foreign language interpreter and TTY availability in call centers.

Cons

  • Prices tend to be higher than what competitors offer.
  • Below-average ratings on measures of member experience.

Humana’s Medicare Part D plans have average star ratings from the Centers for Medicare & Medicaid Services (CMS)

Centers for Medicare & Medicaid Services. 2024 Star Ratings Data Tables (Jul 2 2024) (ZIP). Accessed Jul 12, 2024.
. Prescription drug plans from Humana can get expensive, but state-by-state variations in premiums and out-of-pocket costs could make things more or less affordable depending on your location.

Humana is the fifth-largest company offering Medicare Part D plans. About 2.2 million Medicare beneficiaries have Humana Part D plans as of June 2024

Centers for Medicare & Medicaid Services. PDP Plan Directory. Accessed Jul 12, 2024.
.

Here’s what you should know about Humana Medicare Part D prescription drug plans.

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Humana Medicare Part D pros and cons

Medicare prescription drug plans from Humana have advantages and disadvantages.

Pros

$0-deductible options: Some Humana plans have $0 deductibles for multiple formulary tiers, not just the least expensive.

Foreign language and TTY: Humana has the highest rating for foreign language interpreter and TTY availability in its call centers.

Cons

Premiums: Plenty of competitors offer lower prices than Humana.

Member experience: Humana gets below-average ratings on Medicare Part D quality measures related to members satisfactorily using the plan to get drugs.

Humana Medicare Part D star ratings

Average Part D star rating, weighted by enrollment: 3.49 stars

Humana’s Medicare Part D prescription drug plans get an average star rating of 3.49 stars from the Centers for Medicare & Medicaid Services (CMS)

Centers for Medicare & Medicaid Services. 2024 Star Ratings Data Tables (Jul 2 2024) (ZIP). Accessed Jul 12, 2024.
. For comparison, the average for all stand-alone Part D plans, weighted by enrollment, was 3.41 stars as of June 2024.

CMS rates Medicare Part D plans on 12 quality measures

Centers for Medicare & Medicaid Services. Medicare 2024 Part C & D Star Ratings Technical Notes. Accessed Mar 27, 2024.
. (You can find definitions for each of these factors in the CMS Star Ratings Technical Notes.)

These ratings use a 5-point scale, where 5 is the best and 1 is the worst. The agency bases its ratings on drug plans’ quality of service and customer experiences, and ratings are updated annually

Centers for Medicare & Medicaid Services. Fact Sheet - 2024 Medicare Advantage and Part D Star Ratings. Accessed Mar 27, 2024.
.

🤓Nerdy Tip

Medicare star ratings are typically released once per year, but in 2024, CMS recalculated its ratings mid-year. Updates took place after multiple court rulings in favor of insurance companies alleging that CMS improperly calculated the 2024 star ratings. NerdWallet has updated this review accordingly.

Still deciding on the right carrier? Compare Medicare Part D Plans

Humana Medicare Part D prescription drug plans

Humana offers three stand-alone Medicare prescription drug plans for 2024:

Medicare beneficiaries with Original Medicare (Part A and/or Part B) can purchase a Medicare Part D plan for prescription drug coverage. Part D plans are sold by private insurance companies. The costs and coverage can vary significantly, so it’s important to compare options.

💬 From our Nerds: Is Humana Medicare Part D a good prescription drug plan option?

“Humana’s 2024 Medicare Part D plans can be solid options, but premiums and out-of-pocket costs such as deductibles vary quite a bit between states. Check the specifics for your medications and location to see whether Humana works out to be a good deal this year.”

Alex Rosenberg, lead writer covering Medicare

Humana Medicare Part D cost

Humana Medicare Part D premiums and deductibles

Here are the 2024 premiums and deductibles for Humana’s stand-alone Medicare prescription drug plans

Centers for Medicare & Medicaid Services. CY2024_Landscape_Files_Final_20240710 (ZIP). Accessed Jul 12, 2024.
:

Plan

Pricing

Humana Walmart Value Rx

Monthly premiums:

  • Lowest: $33.

  • Average: $43.52.

  • Highest: $73.90.

Annual deductible: $545.

Humana Basic Rx

Monthly premiums:

  • Lowest: $36.90.

  • Average: $49.68.

  • Highest: $85.60.

Annual deductible: $545.

Humana Premier Rx

Monthly premiums:

  • Lowest: $75.90.

  • Average: $105.38.

  • Highest: $135.40.

Annual deductible:

  • Lowest: $0.

  • Average: $185.48.

  • Highest: $500.

» If you have concerns about affording Medicare Part D, look into Medicare Extra Help

Humana has raised its average monthly premiums for all of its plans for 2024. The biggest increase is to the high-end Premier Rx plan, which is more than $20 per month more expensive than last year, on average. The Walmart Value Rx and Basic Rx plans both cost a little over $10 more per month than last year, on average.

Deductibles for the two less expensive plans have both grown to 2024’s maximum that plans are allowed to charge, an increase of $40. Deductibles vary for the Premier Rx plan, but on average, they’re lower than last year.

$0-deductible options

Deductibles can apply differently depending on where they fall on the formulary: the plan's list of covered drugs, organized by tiers.

Two of Humana’s plans waive the deductible for drugs on certain tiers:

The Humana Basic Rx plan has a deductible for all tiers.

$0-copay options

Humana advertises $0-copay options for two of its plans:

Cost-sharing requirements for higher tiers can quickly get more expensive. As a result, it’s important to check where your medications and pharmacies fall on each plan’s formulary.

Coinsurance vs. copay requirements

You'll also want to check whether you’ll pay a copay or coinsurance for your medications. Copays are set dollar amounts, so it’s easy to see what you’ll pay. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be more unpredictable and more expensive.

Humana’s cost-sharing requirements vary by location, and it doesn’t publish a comprehensive state-by-state list. You can find copay and coinsurance requirements by tier for your location in the plan documents when you get a quote.

You can also enter your medications and pharmacy information on Humana’s website to see which drugs are covered and review your estimated costs with different plan options.

Humana Medicare Part D - Chapter

Humana

3.49

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

Humana Medicare Part D service area

Stand-alone Medicare prescription drug plans from Humana are available in all 50 states, Washington, D.C., and Puerto Rico

Centers for Medicare & Medicaid Services. CY2024_Landscape_Files_Final_20240710 (ZIP). Accessed Jul 12, 2024.
.

Humana offers all three of its Medicare Part D plan options in all U.S. states and Washington, D.C. In Puerto Rico, there are two options: Humana Basic Rx and Humana Premier Rx (Humana Walmart Value Rx is unavailable).

About Humana

Humana is a health insurance company headquartered in Louisville, Kentucky. Its insurance offerings include Medicare Advantage plans, Medicare prescription drug plans, Medicare Supplement Insurance, Medicaid coverage and dental and vision plans. In February 2023, Humana announced that it would no longer offer employer-based health plans.

Read the NerdWallet reviews of these other Humana Medicare offerings:

Compare Medicare Part D companies

Get more information below about some of the major Medicare Part D companies. These insurers offer plans in most states, but specifics may vary depending on your location.

Find the right Medicare Part D prescription drug plan

The interactive tool on Medicare.gov can help you find a Medicare Part D plan that covers your prescriptions. It also helps you compare costs among Medicare Part D and Medicare Advantage plans available to you.

Here are some things to keep in mind when comparing plans:

  • Check the formulary: You’ll want to make sure the medicines you currently take and, importantly, any you think you might need in the future, are covered under each of the plans you’re considering. Talk to your health care providers about what brand-name and generic medicines to look for and any alternatives that may also work in case you can’t find your current medicines on the plans available in your area.

  • Look for plan changes: Formularies change frequently. Your insurer should send you a Notice of Plan Change when the formulary changes. Read that document carefully.

  • Check the pharmacy network: Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Check to see if your pharmacy or an equally convenient one is in the plan’s network. Also, compare prices for using mail order.

If your plan does change, and the change affects the prescription drugs you need, you can switch plans during Medicare's open enrollment period, Oct. 15 to Dec. 7. Changes go into effect on the following Jan. 1.

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Medicare Part D plan review methodology

NerdWallet’s Medicare Part D reviews are based on ratings data from the Centers for Medicare & Medicaid Services (CMS), pricing, cost-sharing requirements, formulary design, consumer experience and more.

NerdWallet reviewed eight Medicare Part D insurance companies based on highest enrollment and greatest online search volume. Together, these eight companies cover about 92% of Medicare beneficiaries with stand-alone Medicare Part D plans, according to CMS data. We review at least five major Medicare Part D companies in every state in the United States.

These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.

Still deciding on the right carrier? Compare Medicare Part D Plans