Humana Medicare Plans in Arizona
Star Rating
4 out of 5
Enrollment
5.2M+ members
National Rank
#2
Network Types
HMO, PPO
Humana is one of the largest Medicare insurance providers in Arizona, offering Medicare Advantage, Medicare Advantage with prescription drug coverage, Part D prescription drug plans to beneficiaries across the state. With 4-star ratings and coverage in Phoenix, Scottsdale, Mesa and surrounding areas, Humana serves Arizona's 1.4+ million Medicare-eligible residents.
Arizona has 52% of Medicare beneficiaries enrolled in Medicare Advantage plans, above the national average. Humana's Arizona plans typically include chronic condition management and home health integration, making them a strong choice for beneficiaries in the AZ market.
The Bottom Line
Humana is a top-tier choice for Arizona Medicare beneficiaries who want chronic condition management with 4-star rated plans. Compare Humana options with other Arizona carriers to find the best fit for your healthcare needs and budget.
Humana Pros and Cons
Pros
- Large provider networks in most markets
- Strong chronic disease management programs
- Competitive $0 premium options available
- Good dental, vision, and hearing benefits
- Integrated pharmacy with mail-order savings
Cons
- Star ratings vary significantly by plan
- Some plans have limited out-of-network coverage
- Customer service wait times can be long during AEP
- Not available in all counties
Humana Plan Types in Arizona
Humana offers multiple Medicare plan types to Arizona residents, each designed for different healthcare needs and budgets:
Medicare Advantage (Part C): Humana's Arizona Medicare Advantage plans combine hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into one plan. Many Humana MA plans in Arizona have $0 monthly premiums beyond the Part B premium, with benefits including dental, vision, hearing, and fitness programs.
Medicare Supplement (Medigap): Humana offers standardized Medigap plans in Arizona that work with Original Medicare to cover costs like the Part B coinsurance and deductibles. Popular options include Plan G and Plan N.
Part D Prescription Drug Plans: Humana's standalone Part D plans in Arizona provide prescription drug coverage for those on Original Medicare. Plans vary in formulary coverage and preferred pharmacy networks.
Dual Eligible Special Needs Plans (D-SNP): For Arizona residents who qualify for both Medicare and AHCCCS, Humana offers D-SNP plans with coordinated benefits and additional support services.
Humana Provider Networks in Arizona
Humana's Arizona Medicare Advantage plans use HMO and PPO networks. Network size and provider participation vary by plan and county.
In Phoenix and surrounding Maricopa County, Humana networks typically include major health systems. However, provider participation can change annually, so always verify your doctors are in-network before enrolling.
For beneficiaries in Phoenix, Scottsdale, Mesa, Tucson, Humana generally offers good hospital and specialist coverage. Rural areas of Arizona may have more limited network options, making PPO plans with out-of-network benefits a consideration.
Use Humana's online provider directory at https://www.humana.com/finder/medical to verify network participation for any Arizona doctor or facility.
Humana Arizona Plan Costs
Humana Medicare plan costs in Arizona vary by plan type, county, and coverage level. Here's what to expect:
Medicare Advantage Premiums: Many Humana MA plans in Arizona offer $0 monthly premiums beyond the Part B premium (often $0). Higher-benefit plans may have premiums of $20-$100+/month.
Out-of-Pocket Maximums: All Humana Medicare Advantage plans include annual out-of-pocket limits, protecting you from catastrophic costs. Limits typically range from $3,000-$8,000 depending on the plan.
Medigap Premiums: Humana Medigap plans in Arizona average $155-$255/month for Plan G, varying by age, gender, and tobacco use. Rates are typically lower when you enroll during your Medigap Open Enrollment Period.
Humana Star Ratings in Arizona
Humana's Medicare plans currently hold 4-star ratings (out of 5) from CMS. Star ratings measure quality across categories including:
- Staying healthy (screenings, tests, vaccines) - Managing chronic conditions - Member experience and satisfaction - Member complaints and access to care - Customer service quality
Plans with 4+ stars are considered high-performing and may offer additional benefits. Humana's above-average ratings in Arizona reflect strong performance across these quality measures.
Humana Key Facts
Frequently Asked Questions
Is Humana a good Medicare plan in Arizona?
Humana is one of the largest and most established Medicare insurers in Arizona with 4-star ratings. Whether it's the best choice for you depends on your doctors, medications, and coverage preferences. Humana is known for chronic condition management and home health integration.
Does Humana Medicare cover my Phoenix doctors?
Humana's Arizona provider networks include many doctors and hospitals in Phoenix and surrounding areas. However, network participation varies by specific plan. Always verify your doctors are in-network using Humana's provider directory before enrolling.
How much do Humana Medicare plans cost in Arizona?
Many Humana Medicare Advantage plans in Arizona have $0 monthly premiums beyond the Part B premium. Costs vary by plan type, benefits, and your county. Humana Medigap plans typically cost $155-$255/month for Plan G.
Can I switch to Humana Medicare in Arizona?
You can switch to Humana during the Annual Enrollment Period (October 15 - December 7), during a Special Enrollment Period if you qualify, or during the Medicare Advantage Open Enrollment Period (January 1 - March 31) if you're currently in a Medicare Advantage plan.
Does Humana offer $0 premium plans in Arizona?
Yes, Humana offers several $0 premium Medicare Advantage plans in many Arizona counties. These plans still require you to pay your Part B premium. $0 premium plans may have different benefit levels and cost-sharing than plans with monthly premiums.
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