Humana’s Medicare Advantage (MA) plans for 2026 are focused on stability, simplicity, and expanding key benefits.
Here is a summary of the key information regarding Humana’s 2026 Medicare Advantage Plans:
📅 Important Enrollment Period
Annual Election Period (AEP): The primary time to enroll in or switch Medicare plans is from October 15 to December 7 each year.
Coverage Start Date: Changes made during this period will take effect on January 1, 2026.
✨ Key Plan Features and Benefits for 2026
Humana is emphasizing core benefits and a simpler plan design:
Expanded Preventive Care at No Cost:
$0 Copays for nearly all non-Special Needs Plans’ in-network Primary Care Provider (PCP) visits.
$0 Copays for preventive services and covered vaccinations.
New $0 Cost-Sharing for preventive and diagnostic screenings for breast cancer, colon cancer, and bone density.
Essential Extra Benefits: All Humana Medicare Advantage plans are set to include coverage for routine dental, vision, and hearing care.
Prescription Drug Coverage (Part D):
Most non-Special Needs Plans will feature $0 copays on Tier 1 (most common generic) prescriptions.
For their stand-alone Prescription Drug Plans (PDPs), approximately 83% will see a premium decrease.
The maximum out-of-pocket cost for covered prescriptions is capped at $2,100 for the year, a change set by the Centers for Medicare & Medicaid Services (CMS).
🌐 Market & Plan Changes
Geographic Shifts: Humana is adjusting its market presence, offering plans in 46 states and Washington, D.C., covering about 85% of U.S. counties. This includes exiting some low-margin markets while expanding in others.
Special Needs Plans (SNPs) Expansion: Humana is increasing its offerings for beneficiaries with specific needs:
Expanding Dual-eligible Special Needs Plans (D-SNPs) in states like Illinois.
Expanding Chronic Condition Special Needs Plans (C-SNPs) for specific chronic conditions in states like Idaho, Maine, and New Jersey.
Chronic Kidney Condition Benefits: Certain non-Special Needs Plans in states like Oklahoma, Texas, North Carolina, and Virginia will offer additional benefits for members with End-Stage Renal Disease or Chronic Kidney Conditions.
❗️ Action for Current Humana Members
If you are a current Humana Medicare Advantage member, you should have received an Annual Notice of Changes (ANOC) by September 30th detailing any changes to your plan for 2026.
If your specific plan is being discontinued, Humana is required to send you a separate notice, and you will need to choose a new plan during the Annual Election Period.
Be the first to comment