Humana Medicare Advantage Plans in California (2026)
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Plan results are provided by Sunfire and open in a new tab. 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, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in California, HICAP at 1-800-434-0222) to get information on all of your options.
Humana offers HMO, PPO, and Dual Eligible Special Needs (D-SNP) Medicare Advantage plans across much of California. Plans are built around coordinated, in-network primary care (HMO) or open-network flexibility (PPO), with many plans bundling dental, vision, hearing, and prescription drug coverage.
What Sets Humana Apart in California
- Choice of HMO, PPO, and D-SNP plan types depending on county and whether you qualify for dual-eligible programs.
- Many plans include routine dental, vision, and hearing coverage alongside prescription drug coverage.
- $0 telehealth copays for in-network primary care video or phone visits.
- Healthy Options Allowance – a reloadable spending card usable for groceries and OTC items, with monthly allowances starting around $25/month; this benefit is generally tied to Humana’s Chronic Condition (C-SNP) and Dual-Eligible (D-SNP) plans rather than every standard plan, so eligibility depends on your specific plan and health status.
- Care management support including transportation assistance and meal support for qualifying members (exact trip/visit limits vary by plan).
- Note: Humana’s national 2026 CMS star ratings declined year-over-year – about 20% of Humana MA members are in plans rated 4 stars or higher for 2026, down from 25% the prior year. Always check the current star rating of the specific plan and county you’re considering, since ratings vary by contract.
Where Humana Is Most Competitive in California
- Los Angeles County
- Orange County
- Riverside County
- San Bernardino County
- San Diego County
- Ventura County
- Kern County
- Fresno County
- Sacramento County
This list reflects Humana’s general Southern and Central California service area based on available public information, not an independently verified ranking of where Humana has the most plan choices or highest-rated plans. Plan availability changes by ZIP code and by year – confirm current options for your specific address before enrolling.
Fitness Benefit
Humana Medicare Advantage plans include access to SilverSneakers, a fitness program offering entry to more than 22,000 participating fitness locations nationwide at no additional cost, plus at-home workout kits, group classes, and on-demand videos designed for older adults. Humana notes SilverSneakers “may not be available on all plans or in all areas,” so availability should be confirmed for your specific plan.
Household / Multi-Policy Discount
Humana’s Medicare Advantage plans in California do not currently offer a household or multi-policy discount – this type of discount is specific to Medicare Supplement (Medigap) policies industry-wide. Humana does offer a household discount on its Humana Achieve Medicare Supplement product, but that is a separate, different type of policy from Medicare Advantage. If a household discount matters to you, ask us about Medicare Supplement options instead.
Frequently Asked Questions
Does every Humana Medicare Advantage plan in California include dental and vision?
Most do, but not all – coverage and allowance amounts vary by specific plan and county. We’ll confirm exactly what’s included before you enroll.
Is the Healthy Options Allowance available on every Humana plan?
No – this benefit is generally tied to Humana’s Chronic Condition (C-SNP) and Dual-Eligible (D-SNP) plans for members with qualifying health conditions, not standard Medicare Advantage plans across the board.
How do I know if Humana is available where I live?
Medicare Advantage plan availability is set by county and ZIP code and can change every year. Call us and we’ll check current availability and star ratings for your exact address.
Get a Free Humana Medicare Advantage Quote
Plan availability, star ratings, and extra benefits can vary significantly by ZIP code and change every year during the Medicare Annual Enrollment Period. As independent, licensed California agents, we compare Humana against every other major carrier so you can see the full picture before you enroll.
Call 855-847-7020 ext. 3 to speak with a licensed agent
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Want help comparing these plans against Original Medicare plus a Medigap policy? Call (855) 847-7020 ext. 3 or schedule an appointment. There is no cost to you.
Did this plan change on you at renewal? California law gives you a guaranteed issue right to a Medicare Supplement policy, with no health questions, if your Medicare Advantage plan reduces a benefit, raises your premium or cost sharing, or drops a doctor who is currently treating you. There is no minimum percentage for that right with your own carrier, whatever you may have been told. Read how the rule actually works, or call (855) 847-7020 ext. 3 and we will read your Annual Notice of Change with you.
Plan details and figures on this page reflect the 2026 plan year and were reviewed in August 2026. Benefits, premiums, provider networks and star ratings change every year and vary by county.
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, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in California, HICAP at 1-800-434-0222) to get information on all of your options.
California Health Agents is a licensed independent insurance agency, NPN 14924332. We are not affiliated with or endorsed by the United States government, the federal Medicare program, Covered California, the California Department of Insurance, or the Department of Managed Health Care. Enrollment in a Medicare Advantage plan depends on contract renewal. Quotes and plan summaries are estimates and are not a contract, guarantee of coverage, or offer of insurance.