2026 Humana Medicare Advantage Plans: What’s New in Premiums, Benefits, and Doctors

Your Medicare plan in 2025 may not protect you the same way in 2026. Premiums look stable, but the real shifts are hidden in Humana’s copays, MOOP limits, drug coverage, and new Part B givebacks. If you don’t review the updates to 2026 Humana Medicare Advantage plans, you could be paying hundreds more this year than you should.

Skyline Benefit is an independent Medicare insurance broker. We compare Humana’s 2026 options, confirm your doctors and prescriptions, and help you enrol with confidence — at no extra cost.

How Much Will 2026 Humana Medicare Advantage Plans Cost?

Humana keeps $0 premium options on the table, but cost control extends beyond the monthly rate. In 2026, the Giveback plan sets a $2,450 MOOP and rebates up to $102/month of your Part B premium, while Gold Plus HMO wipes out copays for diagnostics, labs, and mammograms. The right choice depends on whether you need predictable drug savings or richer medical benefits.

What Doctors Accept 2026 Humana Medicare Advantage Plans?

Both Gold Plus and Giveback are HMO plans built for Los Angeles and Orange Counties. That means you must stay in-network except for emergencies. Before enrolling in a 2026 Humana plan, confirm your PCP and specialists are included in the directory — otherwise, your costs could spike overnight.

What Drug Coverage Comes With 2026 Humana Medicare Advantage Plans?

Prescription costs are where Humana members see real change in 2026:

• $0 deductible on the Giveback plan for Tier 1 and 2 generics.
• $2,100 yearly out-of-pocket cap for covered drugs — after that, they’re free.
• Insulin capped at $35/month.
• All ACIP vaccines are covered at $0.

What Dental, Vision, and Hearing Benefits Do 2026 Humana Medicare Advantage Plans Offer?

Humana continues to load extras into its 2026 lineup:

• Gold Plus (021): Up to $3,000 annual dental allowance, plus strong hearing aid pricing.
• Giveback (146): $1,750 dental yearly maximum with $0 deductible, plus basic hearing and vision perks.

If richer dental coverage matters, choose Gold Plus. If lowering your Part B premium is the goal, Giveback wins.

What Extra Benefits Do 2026 Humana Medicare Advantage Plans Include?

Humana continues to stack extras in 2026 that can save seniors hundreds a year:

1. Dental coverage: From preventive cleanings to comprehensive care like dentures and implants.
2. Vision benefits: Annual exams plus eyewear allowances.
3. Hearing support: Exams plus allowances for hearing aids.
4. OTC allowances: Prepaid card to use on health and household items.
5. Transportation: Rides to approved medical appointments.
6. SilverSneakers + Go365 rewards for preventive health.
7. Worldwide emergency coverage, even outside the U.S.

Which 2026 Humana Medicare Advantage Plan Should You Choose?

• Gold Plus Giveback (146): Best for cost-sensitive seniors who want Part B savings, $0 drug deductible, and a hard MOOP cap.
• Gold Plus (021): Best for those who need richer dental and hearing benefits, plus $0 diagnostics and labs.

When Can You Enroll in a 2026 Humana Medicare Advantage Plan?

The enrollment window runs during Medicare Open Enrollment (October 15 – December 7, 2025). This is your chance to switch into Humana, compare carriers, or confirm your existing plan still fits. Any changes you make start January 1, 2026.

Need Help With 2026 Humana Medicare Advantage Plans?

Skyline Benefit is an independent Medicare insurance broker that specializes in comparing Humana’s 2026 Medicare Advantage plans, confirming your doctors and prescriptions, and helping you enroll with confidence — at no extra cost. 

Schedule a consultation today. Call us at: (714) 888-5112