Humana USAA Medicare Advantage Plans Review 2023
- Humana and USAA partner to sell Medicare Advantage plans specifically for military members, veterans and their families. Learn more about these plans and find out how to compare Humana Medicare plans available where you live.
USAA sells Humana Medicare Advantage plans to many military members, veterans and their families across the U.S. In this guide, we review USAA Humana Medicare Advantage plans (also known as Medicare Part C) to help guide you in your search for the best coverage for your needs.
To get specific answers to your Medicare questions, such as the availability of Humana and USAA Medicare plans available where you live, what they cost and what they cover, you can request a free plan quote online or call to speak with a licensed insurance agent.
What Is a USAA Humana Medicare Advantage Plan?
Medicare Advantage plans cover all of the same benefits as Original Medicare (Medicare Part A and Part B). Medicare Advantage plans may offer extra benefits not found in Original Medicare, such as coverage for prescription drugs, vision, dental, hearing aids and more.
Unlike Original Medicare, which is provided by the federal government, Medicare Advantage plans are sold by private insurance companies like Humana and USAA.
What Kind of Medicare Advantage Plans Does Humana Sell With USAA?
The Humana Medicare Advantage plans available through USAA are called “Humana Honor” plans and are specifically designed for the needs of military members and veterans and their families. USAA requires military affiliation for enrollment, and Humana has tailored these plans to fit the USAA customer base.
- The Humana Honor PPO plan offers benefits like dental care coverage and increased flexibility in your choice of health care providers.
- The Humana USAA Honor with Rx provides coverage of routine dental, hearing and vision care in addition to prescription drug coverage.
Where Are Humana USAA Medicare Plans Sold?
Humana Honor plans are sold in every state except Alaska, Michigan, Rhode Island, Vermont and Wyoming.1
Humana USAA Honor with Rx plans are sold statewide in Pennsylvania and in many cities across the U.S. such as San Diego, Cincinnati, Detroit, Indianapolis, San Francisco and more. The plans are also sold in most counties in Indiana and Ohio, select counties in Texas and in Maricopa County, AZ.1
How Much Do Humana USAA Medicare Advantage Plans Cost?
Humana USAA Medicare Advantage plans may come with a $0 monthly premium, though you may still be required to pay your Medicare Part B monthly premium.
Copayments for primary care visits are often low or $0, and specialist copayments are typically fairly affordable. Request a free plan quote or call to speak with a licensed insurance agent who can help you compare the costs and benefits of the specific plans available in your ZIP code.
What Are Some of the Perks of a Humana USAA Medicare Advantage Plan?
Veterans and their families may find several benefits to joining a Humana USAA Medicare Advantage plan. Most notably, these plans may come with a $0 premium and visits with your primary care physician generally do not require a copayment.
Medicare Advantage members must still pay their Medicare Part B premium, but Humana Honor plans may include a Part B giveback that pays you back a portion of your Part B premium to leave more money in your pocket each month.
Humana Honor plans include coverage of routine dental care, including no-cost cleanings twice per year. Original Medicare doesn’t cover routine dental care like routine teeth cleanings.
Humana Honor plans may also include coverage of vision care, fitness program memberships like SilverSneakers, hearing aids, an allowance for over-the-counter health product purchases and more.
Humana boasts a large network of participating providers, making it easy to use your Humana Honor plan. Drug prescriptions can even be filled through the VA.
USAA offers a number of additional products like life insurance and Medicare Supplement Insurance (Medigap), giving members plenty of options all under one umbrella.
Can You Use Humana USAA Medicare Advantage Plans and VA Benefits Together?
Yes. While the U.S. Department of Veterans Affairs (VA) can’t pay for the same service or item as your Humana Medicare plan, your VA benefits can still cover things that your plan may not.
A Humana Honor plan may supplement your existing VA coverage, not replace it, and your VA coverage will not be affected by your Medicare Advantage benefits.
With a Humana Honor plan, you may receive care from a private doctor with your Humana coverage or from a VA facility with your VA benefits.
Who Is Eligible for Humana USAA Medicare Advantage Plans?
In order to be eligible to enroll in a Humana USAA Medicare Advantage plan, you must meet the following criteria:
- Be at least 65 years old
- Be enrolled in Medicare Part A and Part B
- Live in a market that is serviced by the plan you wish to join
- Maintain membership in USAA, which typically requires active or retired military duty or family association
What Is the Connection Between Humana and USAA?
Humana has long supported members of the U.S. military.
In 2022, Humana was recognized as the No. 1 Military Friendly Employer for the second straight year by G.I. Jobs/Victory Media. USAA ranked fifth on the list.
Is Humana a Good Company?
Humana is one of the largest health insurance companies in the U.S. with a long-established history. The company maintains strong financial ratings from leading agencies such as Standard & Poor’s, Moody’s, Fitch Ratings and A.M. Best. Humana is accredited by the Better Business Bureau and carries an A+ rating.
And when it comes to the company’s Medicare Advantage plans, 96% of Humana members are enrolled in a plan rated four stars or higher by Medicare in 2023.