{"id":101776,"date":"2026-01-05T21:26:00","date_gmt":"2026-01-05T15:56:00","guid":{"rendered":"https:\/\/www.seminarsonly.com\/news\/?p=101776"},"modified":"2026-01-05T22:35:24","modified_gmt":"2026-01-05T17:05:24","slug":"key-features-of-humana-medicare-advantage-plans-2026","status":"publish","type":"post","link":"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/","title":{"rendered":"Key Features of Humana Medicare Advantage Plans 2026"},"content":{"rendered":"<h3 data-path-to-node=\"0\"><span style=\"color: #008000;\"><em>For the <b data-path-to-node=\"0\" data-index-in-node=\"8\">2026 plan year<\/b>, Humana has made significant changes to its Medicare Advantage offerings, including new benefits, a reduced service area, and new spending caps.<\/em><\/span><\/h3>\n<p data-path-to-node=\"1\">Since today is <b data-path-to-node=\"1\" data-index-in-node=\"15\">January 5, 2026<\/b>, you are currently in the <b data-path-to-node=\"1\" data-index-in-node=\"57\">Medicare Advantage Open Enrollment Period (OEP)<\/b>. This means if you are already enrolled in a Medicare Advantage plan, you have a one-time opportunity to switch plans or return to Original Medicare between now and <b data-path-to-node=\"1\" data-index-in-node=\"270\">March 31, 2026<\/b>.<\/p>\n<p data-path-to-node=\"2\">Here is the breakdown of Humana&#8217;s 2026 plans:<\/p>\n<h2 data-path-to-node=\"3\"><span style=\"color: #800000;\">1. Key Features of 2026 Plans<\/span><\/h2>\n<ul data-path-to-node=\"4\">\n<li>\n<p data-path-to-node=\"4,0,0\"><b data-path-to-node=\"4,0,0\" data-index-in-node=\"0\">Part D &#8220;Donut Hole&#8221; Removed:<\/b> Due to the Inflation Reduction Act, the &#8220;donut hole&#8221; coverage gap is gone. For 2026, once your out-of-pocket spending on covered drugs reaches <b data-path-to-node=\"4,0,0\" data-index-in-node=\"172\">$2,100<\/b>, you pay <b data-path-to-node=\"4,0,0\" data-index-in-node=\"188\">$0<\/b> for covered Part D drugs for the rest of the year.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,1,0\"><b data-path-to-node=\"4,1,0\" data-index-in-node=\"0\">$0 Copays:<\/b> Most plans continue to offer $0 copays for primary care visits, preventive screenings (mammograms, colonoscopies), and hundreds of generic drugs.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,2,0\"><b data-path-to-node=\"4,2,0\" data-index-in-node=\"0\">Included Extras:<\/b> Dental, vision, and hearing coverage remain standard on almost all non-special needs plans.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"4,3,0\"><b data-path-to-node=\"4,3,0\" data-index-in-node=\"0\">Veterans Plans:<\/b> The <b data-path-to-node=\"4,3,0\" data-index-in-node=\"20\">Humana USAA Honor<\/b> plans (which do <i data-path-to-node=\"4,3,0\" data-index-in-node=\"54\">not<\/i> include drug coverage but offer a Part B premium giveback) are available in 46 states.<\/p>\n<\/li>\n<\/ul>\n<h3>Also Read : <a href=\"https:\/\/www.seminarsonly.com\/news\/error-tvapp-00116-most-effective-fix\/\">Error TVAPP-00116 | Most Effective Fix<\/a><\/h3>\n<h2 data-path-to-node=\"5\"><span style=\"color: #800000;\">2. Market Exits &amp; Network Changes (Important)<\/span><\/h2>\n<p data-path-to-node=\"6\">Humana effectively &#8220;shrunk&#8221; its footprint for 2026 to stabilize costs.<\/p>\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b data-path-to-node=\"7,0,0\" data-index-in-node=\"0\">Plan Exits:<\/b> Humana exited 13 specific markets and <b data-path-to-node=\"7,0,0\" data-index-in-node=\"50\">completely left 2 states<\/b> for the 2026 plan year. They now operate in 46 states (down from 48).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b data-path-to-node=\"7,1,0\" data-index-in-node=\"0\">Hospital Disputes:<\/b> Several major health systems have dropped Humana Medicare Advantage for 2026. If you live near these systems, your Humana plan may now be out-of-network:<\/p>\n<ul data-path-to-node=\"7,1,1\">\n<li>\n<p data-path-to-node=\"7,1,1,0,0\"><b data-path-to-node=\"7,1,1,0,0\" data-index-in-node=\"0\">Mayo Clinic<\/b> (Most locations)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,1,1,0\"><b data-path-to-node=\"7,1,1,1,0\" data-index-in-node=\"0\">UNC Health<\/b> (North Carolina)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,1,2,0\"><b data-path-to-node=\"7,1,1,2,0\" data-index-in-node=\"0\">Scripps Health<\/b> (California)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,1,3,0\"><b data-path-to-node=\"7,1,1,3,0\" data-index-in-node=\"0\">Vanderbilt Health<\/b> (Tennessee &#8211; some plans)<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,1,4,0\"><b data-path-to-node=\"7,1,1,4,0\" data-index-in-node=\"0\">St. Charles Health<\/b> (Oregon)<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"8\"><span style=\"color: #800000;\">3. Available Plan Types<\/span><\/h2>\n<ul data-path-to-node=\"9\">\n<li>\n<p data-path-to-node=\"9,0,0\"><b data-path-to-node=\"9,0,0\" data-index-in-node=\"0\">HMO (Health Maintenance Organization):<\/b> Lower premiums, but you strictly must use in-network doctors and usually need referrals for specialists.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,1,0\"><b data-path-to-node=\"9,1,0\" data-index-in-node=\"0\">PPO (Preferred Provider Organization):<\/b> Higher flexibility; you can see out-of-network doctors for a higher cost, and you generally don&#8217;t need referrals.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,2,0\"><b data-path-to-node=\"9,2,0\" data-index-in-node=\"0\">DSNP (Dual Eligible Special Needs Plans):<\/b> For those with both Medicare and Medicaid. These often include allowances for food, utilities, and OTC products.<\/p>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"10\"><span style=\"color: #800000;\">4. What You Can Do Now (Open Enrollment)<\/span><\/h2>\n<p data-path-to-node=\"11\">If you are currently enrolled in a Humana plan for 2026 but are unhappy (or realized your doctor is no longer in-network):<\/p>\n<ol start=\"1\" data-path-to-node=\"12\">\n<li>\n<p data-path-to-node=\"12,0,0\"><b data-path-to-node=\"12,0,0\" data-index-in-node=\"0\">Switch Plans:<\/b> You can switch to a different Medicare Advantage plan (Humana or another carrier) <b data-path-to-node=\"12,0,0\" data-index-in-node=\"96\">one time<\/b> between Jan 1 and March 31.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"12,1,0\"><b data-path-to-node=\"12,1,0\" data-index-in-node=\"0\">Return to Original Medicare:<\/b> You can drop your Advantage plan and revert to Original Medicare (Part A &amp; B) and join a standalone Part D drug plan.<\/p>\n<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>For the 2026 plan year, Humana has made significant changes to its Medicare Advantage offerings, including new benefits, a reduced service area, and new spending caps. Since today is January&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5919],"tags":[],"class_list":["post-101776","post","type-post","status-publish","format-standard","hentry","category-usa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Key Features of Humana Medicare Advantage Plans 2026 - Seminarsonly.com<\/title>\n<meta name=\"description\" content=\"For the 2026 plan year, Humana has made significant changes to its Medicare Advantage offerings, including new benefits, a reduced service area, and new spending caps.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Key Features of Humana Medicare Advantage Plans 2026\" \/>\n<meta property=\"og:description\" content=\"For the 2026 plan year, Humana has made significant changes to its Medicare Advantage offerings, including new benefits, a reduced service area, and new spending caps.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Seminarsonly.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/seminarsonly\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-05T15:56:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-05T17:05:24+00:00\" \/>\n<meta name=\"author\" content=\"Freddy John\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@seminarsonly\" \/>\n<meta name=\"twitter:site\" content=\"@seminarsonly\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Freddy John\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/\"},\"author\":{\"name\":\"Freddy John\",\"@id\":\"https:\/\/seminarsonly.com\/news\/#\/schema\/person\/75cf706896b7210fb0a84651adc258bd\"},\"headline\":\"Key Features of Humana Medicare Advantage Plans 2026\",\"datePublished\":\"2026-01-05T15:56:00+00:00\",\"dateModified\":\"2026-01-05T17:05:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/\"},\"wordCount\":419,\"commentCount\":0,\"articleSection\":[\"USA\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/\",\"url\":\"https:\/\/seminarsonly.com\/news\/key-features-of-humana-medicare-advantage-plans-2026\/\",\"name\":\"Key Features of Humana Medicare Advantage Plans 2026 - 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