Humana Medicare Plans in Florida
Humana is one of the largest Medicare Advantage carriers in Florida. Here is an honest, independent review of what Humana offers — and how it compares to other carriers available in your county.
Independent review: William Gray is an independent Medicare broker — not a Humana employee or agent. He represents all major carriers and has no financial incentive to recommend Humana over any other plan. This review reflects his honest assessment based on years of helping Florida Medicare beneficiaries.
About Humana Medicare in Florida
Humana is one of the top three Medicare Advantage carriers in the United States and has a particularly strong presence in Florida. They offer Medicare Advantage HMO and PPO plans, Medicare Supplement (Medigap) plans, and standalone Part D prescription drug plans across most Florida counties.
In Northeast Florida — Flagler, Volusia, St. Johns, Duval, and Clay counties — Humana is consistently one of the top two or three carriers by enrollment. They frequently offer competitive $0 premium Medicare Advantage plans with dental, vision, and fitness benefits included.
Plan Types
HMO, PPO, Medigap, Part D
NE Florida Presence
Strong — top 2–3 carrier
Star Ratings
3.5–5 stars (varies by plan)
Humana Medicare Plan Types in Florida
Humana Medicare Advantage HMO
Humana's HMO plans typically offer $0 or low monthly premiums with dental, vision, hearing, and fitness benefits included. You must use in-network providers and get referrals for specialists. Best for full-time Florida residents who want low premiums and don't need out-of-state coverage.
Humana Medicare Advantage PPO
Humana PPO plans offer more flexibility — you can see out-of-network providers at a higher cost-share. Better for snowbirds or people who travel frequently. Premiums are typically higher than HMO plans but lower than Medigap.
Humana Medicare Supplement (Medigap)
Humana offers Medigap plans including Plan G and Plan N in Florida. These work with Original Medicare and provide nationwide coverage with no network restrictions. Premiums vary by age and county. An independent broker can compare Humana Medigap rates against other carriers.
Humana Part D Drug Plans
Humana offers standalone Part D prescription drug plans for people on Original Medicare + Medigap. Humana's Part D plans include access to the Humana Pharmacy mail-order service and a broad retail pharmacy network. Always compare formularies against your specific medications.
Humana Medicare — Honest Pros & Cons
Strengths
- Strong presence in NE Florida counties
- Competitive $0 premium plans available
- Good dental, vision, and fitness benefits
- Humana Pharmacy mail-order network
- Strong star ratings on several Florida plans
- Wide plan selection — HMO, PPO, Medigap, Part D
Limitations
- HMO plans require referrals for specialists
- HMO coverage limited to local network
- Prior authorization on some services
- Plan networks and premiums change annually
- Humana agents can only show you Humana plans
- May not be the best value in every county
Humana Medicare by County
Click your county for local Medicare plan information including Humana and all competing carriers:
Palm Coast — strong Humana HMO presence
Daytona Beach, Ormond Beach, New Smyrna
St. Augustine, Ponte Vedra
Jacksonville — multiple Humana plan options
Orange Park, Fleming Island
Ocala — Humana available
Why Work With an Independent Broker Instead of Calling Humana Directly?
When you call Humana directly, you speak with a Humana agent. They can only show you Humana plans — they cannot tell you whether UHC, Aetna, Florida Blue, or Cigna has a better plan for your situation.
An independent broker like William represents all major carriers. He compares every plan available in your ZIP code — including Humana — against your doctors, medications, and budget. If Humana is the best fit, he will tell you. If another carrier is better, he will tell you that too. His compensation is the same regardless of which carrier you choose.
Frequently Asked Questions
Q.Is Humana Medicare good in Florida?
Humana is one of the largest Medicare Advantage carriers in Florida with strong plan availability in Northeast Florida counties including Flagler, Volusia, St. Johns, Duval, and Clay. Plan quality varies by county — some Humana plans carry 4–5 star CMS ratings while others are lower. An independent broker can compare Humana against all other carriers available in your specific county.
Q.What Humana Medicare plans are available in Northeast Florida?
Humana typically offers Medicare Advantage HMO and PPO plans, Medicare Supplement (Medigap) plans, and standalone Part D drug plans in Northeast Florida counties. Specific plans and premiums change annually. Contact an independent broker for current plan availability in your ZIP code.
Q.Should I enroll in Humana Medicare directly or through a broker?
Enrolling through an independent broker costs you nothing extra — brokers are paid by the carrier, not by you. The advantage of a broker is that they can compare Humana against UHC, Aetna, Florida Blue, Cigna, and other carriers to find the best plan for your specific situation. Enrolling directly with Humana means you only see Humana options.
Q.Does Humana Medicare cover my doctors in Florida?
Humana Medicare Advantage plans use a network of doctors and hospitals. Before enrolling, verify that your primary care doctor and any specialists you see regularly are in the Humana network for the specific plan you are considering. Networks vary by plan type (HMO vs PPO) and by county.
Q.How does Humana Medicare compare to UnitedHealthcare in Florida?
Both Humana and UHC are major Medicare Advantage carriers in Florida. UHC (AARP Medicare) typically has a broader network in some areas; Humana often has competitive $0 premium plans. The best choice depends on your specific county, your doctors, and your medications. An independent broker compares both side-by-side.
Q.Can I switch from Humana Medicare to a different plan?
Yes. You can switch Medicare Advantage plans during the Annual Enrollment Period (October 15 – December 7) each year. Changes take effect January 1. You may also qualify for a Special Enrollment Period if you move, lose coverage, or your plan leaves your area.
Compare Other Medicare Carriers in Florida
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program. This is an advertisement for insurance. William Gray and affiliated licensed agents are independent insurance agents, not government employees or representatives. Medicare has neither reviewed nor endorsed this information.
Not all plans or types of coverage may be available in your area. Plan availability, benefits, and premiums vary by county and ZIP code. Enrollment in any plan depends on contract renewal. Benefits, premiums, and cost-sharing may change on January 1 of each year.
Independent Agent & Compensation Disclosure. William Gray is an independent licensed insurance agent (FL License #W690237) and is not employed by or exclusively affiliated with any single insurance company. William is compensated by insurance carriers when you enroll in a plan. This compensation does not affect the premium you pay — your premium is the same whether you enroll through a broker or directly with the carrier. Affiliated agents are independent contractors solely responsible for their own conduct and representations.