Humana is a private insurance company that offers Medicare Advantage with Part D coverage and stand-alone Part D plans. Deductibles, monthly premiums, and drug copays depend on the specific plan.
Humana Medicare Part D plans offer prescription drug coverage to people who are eligible for Medicare.
Humana currently offers three stand-alone Part D plans with different cost and coverage options, including low cost or cost-free deductibles and drug copays. Plans also have special cost savings for using in-network preferred Walmart pharmacies.
This article takes a closer look at the different Part D plans Humana offers, including what they cover and costs.
With Humana, you can choose from three Medicare Part D stand-alone plans. Specific plan costs and coverage may vary depending on where you live.
The three plans are:
- Humana Walmart Value Rx Plan
- Humana Basic Rx Plan
- Humana Premier Rx Plan
Costs like deductibles, monthly premiums, and drug copays will depend on the specific plan. The following sections provide more detail on prescription drug coverage and costs.
Humana Part D plans have individual formularies, which are lists of prescription drugs they cover. These formularies group medications into five tiers:
- Tier 1: preferred low cost generics
- Tier 2: higher-cost generics and some lower cost brands
- Tier 3: plan-preferred brand-name medications
- Tier 4: higher-cost generic and brand-name medications that are not plan-preferred
- Tier 5: higher-cost specialty medications
The three plans Humana has on offer for 2025 have different costs for medications depending on the tier and cost-sharing coinsurance requirements. Costs are also higher if you use nonpreferred retail pharmacies.
Plans may have special coverage requirements for medications in tiers 3 to 5, due to higher costs like prior authorization or step therapy for certain medications.
Humana Part D plans offer different cost savings depending on:
- your medications
- where you fill your prescriptions (preferred retail pharmacy or mail order)
- where you live
When reviewing plans, remember that you still have to pay any Medicare Part A and B premiums and deductibles. You will also have to pay Part D out-of-pocket costs like premiums, deductibles, copays, and coinsurance.
The following table provides examples of 2025 costs with the Humana Premier Rx Plan in four different cities:
| New York | Atlanta | Denver | Seattle | |
|---|---|---|---|---|
| Monthly premium | $170.40 | $135.90 | $143.40 | $110.10 |
| Copay for tiers 1, 2 and 3 | · $0 for tier 1 preferred generic · $4 for tier 2 generic · $45 for tier 3 preferred brand | · $5 for tier 1 preferred generic · $10 for tier 2 generic · $47 for tier 3 preferred brand | · $5 for tier 1 preferred generic · $10 for tier 2 generic · $47 for tier 3 preferred brand | · $5 for tier 1 preferred generic · $10 for tier 2 generic · $47 for tier 3 preferred brand |
| Copay for tiers 4 and 5 | · 50% coinsurance for nonpreferred tier 4 · 33% for specialty tier 5 | · 50% coinsurance for nonpreferred tier 4 · 33% for specialty tier 5 | · 50% coinsurance for nonpreferred tier 4 · 33% for specialty tier 5 | · 50% coinsurance for nonpreferred tier 4 · 33% for specialty tier 5 |
While deductibles and tier 1 and 2 copays may be the same, there are differences in premiums and out-of-pocket costs for the higher tiers with each plan, depending on where you live.
If you take brand name or specialty medications in the higher tiers, make sure to compare costs and coverage for each plan based on where you live.
Keep in mind, not all plans may have in-network pharmacies in your location, which can increase your costs for medications.
Have questions?
If you have any questions about Humana plans, specific drug coverage, or costs, you can call Humana directly at 1-844-422-5774 or schedule an appointment with a licensed Humana sales agent.
How do I check which medications are covered by Humana prescription drug benefits?
You can search the list of covered drugs on the Humana website. You can enter your medications to see whether they’re covered and if there are any special requirements for coverage.
You can also call Humana directly at 1-844-422-5774 to ask about coverage and costs.
Plans can change the medications they cover, so make sure to check your coverage and your plan’s formulary every year to make sure your medications are still covered.
How do I find a Humana Medicare Advantage prescription drug plan or stand-alone Medicare prescription drug plan that covers my medications?
Depending on your medication needs and budget, you can search the Humana website by zip code to find the best 2025 plans for you.
Medicare plan search toolMedicare also offers its own plan search tool for finding Advantage and Part D plans. This tool includes fields to enter your medications and preferred pharmacies.
You can search by zip code and compare coverage and costs for multiple plans from different companies.
Medicare Part D is prescription drug coverage that private insurance plans offer.
All Part D plans have formularies, which are lists of covered medications. These are arranged in tiers, from lower-cost generics to higher-cost specialty medications.
Since there are hundreds of plans available, it’s important to make sure your medications are covered and to find out where they fall on your plan’s formulary. This way, you can find the best value for your needs.
Although Medicare Part D is optional, if you don’t have some type of creditable drug coverage when you become eligible, or if you delay coverage, you could end up paying a late enrollment penalty.
Humana offers a few different coverage options for medications, including Medicare Advantage plans with Part D coverage and three stand-alone prescription drug (Part D) plans.
You can review the different types of coverage and costs to see which plan would suit you best based on the medications you take.
Keep in mind that some states have limited preferred pharmacy network options available with Humana Part D plans. Be sure to check you’re happy with the network pharmacy options in your area before signing up for any of the three plans.