Humana Medicare Plans in Florida
One of Florida's largest Medicare Advantage carriers with extensive $0-premium plan options.
Humana is one of the most popular Medicare carriers in Florida, offering a wide range of Medicare Advantage plans — many with $0 premiums and rich extra benefits. But is Humana the right choice for you? I compare Humana against every other carrier in your ZIP code to find out.
3+
Plan Types Offered
4.5
CMS 4.5-Star Rating
2+
$0 Premium Plans
Free
My Comparison Service
Humana Medicare Plans — An Independent Review
Humana has been a major Medicare carrier for decades and consistently earns strong CMS star ratings. In Florida, Humana offers HMO, PPO, and PFFS Medicare Advantage plans across most counties, along with standalone Part D drug plans. Their Gold Plus HMO plans are among the most popular in the state, often featuring $0 premiums, dental, vision, hearing, and fitness benefits. However, Humana's HMO plans require you to stay in-network for non-emergency care, which matters if you have specialists outside their network.
Sample Humana Plans in Florida
Plan availability and premiums vary by ZIP code. Call me for exact plans in your area.
Humana Gold Plus HMO
$0/mo
premium
- $0 monthly premium
- Dental, vision & hearing included
- SilverSneakers fitness benefit
- In-network only (HMO)
Humana Choice PPO
$39/mo
premium
- Out-of-network coverage included
- Nationwide coverage — great for snowbirds
- Dental, vision & hearing
- Lower out-of-pocket maximum than HMO
Humana Walmart Value Rx Plan
$0/mo
premium
- $0 premium in many FL counties
- Preferred cost-sharing at Walmart pharmacies
- Covers most generic drugs at low cost
- Good for seniors on basic medications
* Sample plans shown for illustration. Actual plans, premiums, and benefits vary by ZIP code and are subject to change. Contact me for current plan details in your area.
Humana Medicare — Pros & Cons
Pros
- Largest Medicare Advantage network in many FL counties
- Many $0-premium HMO plans with rich benefits
- Strong CMS star ratings (4–4.5 stars)
- SilverSneakers fitness benefit included
- Robust telehealth and digital tools
Cons
- HMO plans require in-network care (no out-of-network except emergencies)
- PPO plans have higher premiums
- Network can vary significantly by county
- Prior authorization required for some services
Best for: Florida seniors who want $0 premiums, stay local, and have doctors already in the Humana network
Why Compare Humana With an Independent Broker?
- I compare Humana against every other carrier available in your ZIP code
- Humana agents can only sell Humana plans — I represent 12+ carriers
- I verify your doctors are in-network and your medications are covered before you enroll
- I compare total annual costs, not just monthly premiums
- Free service — I'm paid by the carriers, never by you
- I review your plan every Annual Enrollment Period to make sure it's still the best fit
- Florida specialist — 29+ years experience
"He went the extra effort and spent time researching information for my unique situation to find the best policy for me. The policies he found for me were a third the cost of the ones I found for myself. He also has access to companies that are not name/popular brands, which can be better products for less price."
John Banaugh
Florida
Humana Medicare — Frequently Asked Questions
Is Humana Medicare Advantage available in my Florida county?
Humana offers Medicare Advantage plans in most Florida counties. Availability and plan options vary by ZIP code. I can tell you exactly which Humana plans are available in your area.
Does Humana Medicare cover dental and vision?
Most Humana Medicare Advantage plans in Florida include dental, vision, and hearing benefits. Coverage levels vary by plan — some include comprehensive dental, others offer basic preventive care only.
How does Humana compare to UnitedHealthcare for Medicare?
Both are top-tier carriers. Humana often has stronger HMO networks in Florida; UnitedHealthcare (AARP) tends to have broader PPO networks. The best choice depends on your specific doctors and ZIP code.
Can I keep my Florida doctors with Humana Medicare Advantage?
It depends on the plan type. Humana HMO plans require in-network care; PPO plans allow out-of-network visits at higher cost. I verify your specific doctors before recommending any plan.
Official Humana & Government Resources
Always verify plan details directly with the carrier and CMS before enrolling.
Humana Official Site
Plans, benefits & enrollment directly from Humana
CMS.gov
Centers for Medicare & Medicaid Services — official plan data
Medicare.gov
Official U.S. government Medicare plan finder & information
* These links go directly to Humana's website, CMS.gov, and Medicare.gov. I am not affiliated with these government sites. Always compare plans with an independent broker before enrolling.
Compare Humana vs. Other Carriers
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