The bottom line: Humana holds onto solid star ratings in 2025 while many other companies' scores have fallen. Its lower-cost Humana Value Rx plan offers more $0-copay and $0-deductible drug tiers than many competitors. Expensive premiums for the higher-end Premier Rx plan make that plan less competitive, however. Jump to: Full Review
Humana Medicare Part D pros and cons
Pros
- Member experience: Humana performs well above average on government ratings for members’ satisfaction using their plan.
- $0-copay and $0-deductible options: The low-cost Value Rx plan offers $0 copays and no deductible for Tier 1-2 drugs — options only available on pricier plans from some competitors.
Cons
- Premier plan premiums: Plenty of competitors offer lower prices than Humana for high-end plans.
- Inaccurate price estimates: Humana scores poorly for the accuracy of drug price estimates it provides for the Medicare.gov plan finding tool.
Compare against other providers
» More options in our roundup of the best Medicare Part D plans
Compare against other providers
» More options in our roundup of the best Medicare Part D plans
Our full review
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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). For comparison, the average for all stand-alone Part D plans, weighted by enrollment, is 3.11 stars.
CMS rates Medicare Part D plans on 12 quality measures. (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.
» MORE: Medicare star ratings: How they can help you choose a plan
Humana Medicare Part D prescription drug plans
Humana offers three stand-alone Medicare prescription drug plans for 2025:
Humana Value Rx: According to Humana, this plan is best for "consumers who value low cost shares for generics along with robust coverage at an affordable price."
Humana Basic Rx: According to Humana, this plan is best for "members who qualify for Medicare Extra Help, which may cover the entire cost of the premium."
Humana Premier Rx: According to Humana, this plan is best for "consumers seeking broad drug coverage and peace of mind."
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.
Humana is the fifth-largest company offering Medicare Part D plans. About 2.3 million Medicare beneficiaries have Humana Part D plans as of March 2025.
More Nerdy Perspective
“Humana gets better star ratings than many competitors in 2025. True to its name, the lower-cost Humana Rx Value plan offers a solid value with multiple $0-copay and $0-deductible drug tiers. For higher-end plans, though, most competitors’ offerings are less expensive than Humana’s Premier Rx plan. "But you can’t get a complete picture of a Medicare Part D plan’s value unless you know whether and how it covers your prescription drugs. So before you buy, check that your medications are included on the plan’s formulary with out-of-pocket costs that fit your budget.”
Humana Medicare Part D cost
Humana Medicare Part D premiums and deductibles
Here are the 2025 premiums and deductibles for Humana’s stand-alone Medicare prescription drug plans:
Plan | Pricing |
|---|---|
Humana Value Rx | Monthly premiums:
Annual deductible: $573. |
Humana Basic Rx | Monthly premiums:
Annual deductible: $590. |
Humana Premier Rx | Monthly premiums:
Annual deductible: $0. |
» If you have concerns about affording Medicare Part D, look into Medicare Extra Help.
$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.
Each plan takes a different approach to deductibles in 2025:
Humana Value Rx: $0 deductible for Tier 1-2 drugs. The deductible is $573 for Tier 3-5 drugs.
Humana Basic Rx: $590 deductible for all covered drugs.
Humana Premier Rx: $0 deductible for all covered drugs.
$0-copay options
Humana advertises $0-copay options for two of its plans:
Humana Value Rx: $0 copays for Tier 1 and Tier 2 drugs at preferred pharmacies.
Humana Premier Rx: $0 copays for Tier 1 drugs at preferred pharmacies and for Tier 1 and Tier 2 drugs from Humana’s CenterWell mail-order pharmacy.
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 doesn’t publish a comprehensive state-by-state list of its cost-sharing requirements. 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.
» MORE: How much does Medicare Part D cost?
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.
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 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.
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).
Best for member experience
- High scores for member experience.
- Generous $0-copay and $0-deductible options.
- High prices for the higher-end Premier plan.
- Poor scores for accuracy of drug price estimates.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Centers for Medicare & Medicaid Services. 2025 Star Ratings Data Tables. Accessed Apr 16, 2025.
- 2.Centers for Medicare & Medicaid Services. Medicare 2025 Part C & D Star Ratings Technical Notes. Accessed Apr 16, 2025.
- 3.Centers for Medicare & Medicaid Services. Fact Sheet 2025 Medicare Advantage and Part D Star Ratings. Accessed Apr 16, 2025.
- 4.Humana. Humana Value Rx Plan (PDP). Accessed Apr 16, 2025.
- 5.Humana. Humana Basic Rx Plan (PDP). Accessed Apr 16, 2025.
- 6.Humana. Humana Premier Rx Plan (PDP). Accessed Apr 16, 2025.
- 7.Centers for Medicare & Medicaid Services. PDP Plan Directory. Accessed Apr 16, 2025.
- 8.Centers for Medicare & Medicaid Services. CY2025 Landscape (202412). Accessed Apr 16, 2025.
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.
Compare Medicare Part D Plans
Insurance company | CMS star rating | Out-of-pocket costs | Member experience | Learn more |
|---|---|---|---|---|
BEST FOR $0 PREMIUMS | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | |||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.50 | 3.50/5 | Varies | 3.0 (Average) |
BEST FOR MEMBER EXPERIENCE | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | |||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.49 | 3.49/5 | Varies | 4.46 (Above average) |
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 3.25 | 3.25/5 | Higher than average | 3.0 (Average) |
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | ||||
(855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 2.85 | 2.85/5 | Average | 2.87 (Average) |