Humana Medicare Advantage Plans in Arizona: Cheapest Options & Benefits (2025)

Humana is one of the most recognized Medicare Advantage providers in the United States, and in Arizona, it remains a top choice for many seniors and eligible beneficiaries. With competitive pricing, broad plan options, and strong customer satisfaction ratings, Humana consistently attracts those looking for a balance between affordability and comprehensive coverage.

In 2025, Arizona residents have access to multiple Humana Medicare Advantage plans, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Special Needs Plans (SNPs). These plans combine Original Medicare benefits (Parts A and B) with extra coverage such as prescription drugs, dental, vision, hearing, and wellness perks.

For Arizona beneficiaries, choosing the right plan is about more than just price — it’s about finding the best combination of cost, network access, and benefits that match individual health and lifestyle needs. This guide will explain everything you need to know about Humana Medicare Advantage plans in Arizona for 2025, including the cheapest options, coverage details, cost factors, enrollment tips, and comparisons with other providers.

Understanding Medicare Advantage Plans in Arizona

Medicare Advantage, also called Medicare Part C, is an alternative way to receive Medicare benefits through private insurance companies approved by Medicare.

When you join a Medicare Advantage plan:

• You still have Medicare, but your benefits are administered by the private insurer.

• Plans must cover at least the same services as Original Medicare (hospital and medical insurance).

• Most Medicare Advantage plans include Part D prescription drug coverage and extra benefits.

Key Facts for Arizona Medicare Advantage in 2025:

• Availability: Plans vary by county. Urban areas like Phoenix, Tucson, and Mesa often have more options than rural counties.

• Enrollment Periods: You can join during the Annual Enrollment Period (AEP) from October 15 to December 7, or switch plans during the Medicare Advantage Open Enrollment Period (January 1 to March 31).

• Cost Range: Some plans offer $0 monthly premiums in certain Arizona counties.

• Extra Benefits: Humana often includes dental, vision, hearing, fitness memberships, transportation, and OTC allowances.

Why Choose Humana Medicare Advantage in Arizona

Humana stands out in Arizona for several reasons:

1. Wide Network Access

   • Includes leading Arizona hospitals such as Banner Health, HonorHealth, and Dignity Health.

   • Strong network of primary care physicians and specialists statewide.

2. Affordable Plan Options

   • Humana offers $0 premium plans in many Arizona counties.

   • Competitive copays and low out-of-pocket maximums.

3. Comprehensive Coverage

   • Dental, vision, and hearing benefits included in most plans.

   • Wellness perks like SilverSneakers fitness program and telehealth services.

4. Strong Customer Support

   • Local agents and online tools make it easy to manage your plan.

   • Positive satisfaction ratings from Arizona beneficiaries.

Cheapest Humana Medicare Advantage Plans in Arizona (2025)

Below is a summary table of some of the most affordable Humana Medicare Advantage plans available in Arizona for 2025. Prices vary by county, so actual costs may differ based on your ZIP code.

Humana Medicare Advantage Plan Types Available in Arizona

Humana HMO Plans

Health Maintenance Organization (HMO) plans require you to use doctors and hospitals within the plan’s network, except in emergencies. You usually need a referral to see a specialist.
Best for: Beneficiaries who want lower costs and don’t mind staying in-network.

Humana PPO Plans

Preferred Provider Organization (PPO) plans offer more flexibility, allowing you to see out-of-network providers at a higher cost. Referrals are not required.
Best for: Those who travel frequently or want broader access to providers.

Humana PFFS Plans

Private Fee-for-Service (PFFS) plans let you see any Medicare-approved provider who accepts the plan’s payment terms.
Best for: People who want maximum flexibility but understand the variable acceptance rates.

Humana SNP Plans

Special Needs Plans (SNPs) cater to individuals with specific health conditions or those eligible for both Medicare and Medicaid.
Best for: Beneficiaries with chronic conditions or dual eligibility.

Benefits of Humana Medicare Advantage Plans in Arizona

Core Medical Coverage

All Humana plans cover Medicare Part A (hospital insurance) and Part B (medical insurance), ensuring you receive essential healthcare services like hospital stays, surgeries, preventive care, and doctor visits.

Prescription Drug Coverage (Part D)

Most Humana plans in Arizona include Part D prescription drug coverage with $0 copays for preferred generic drugs at in-network pharmacies.

Dental, Vision, and Hearing Benefits

• Routine dental exams, cleanings, and sometimes dentures or crowns.

• Vision coverage includes annual eye exams and allowances for glasses or contacts.

• Hearing benefits often include exams and discounted or free hearing aids.

Wellness & Extra Perks

• SilverSneakers fitness program access.

• Telehealth visits for primary care and mental health.

• Over-the-counter (OTC) benefit for health products.

• Transportation assistance to medical appointments.

Costs of Humana Medicare Advantage Plans in Arizona

When comparing Humana plans, consider the following cost components:

• Monthly Premiums: Range from $0 to around $30 for most Arizona plans.

• Deductibles: Many plans have $0 medical deductibles, though drug deductibles may apply.

• Copayments: Vary for primary care, specialists, hospital stays, and prescriptions.

• Out-of-Pocket Maximum: Protects you from excessive costs; ranges from $3,450 to $6,700.

Comparing Humana with Other Arizona Medicare Advantage Providers

Humana vs UnitedHealthcare

• Humana: More $0 premium options in rural counties.

• UnitedHealthcare: Stronger national network and more chronic condition programs.

Humana vs Aetna

• Humana: Better dental and vision benefits in most Arizona counties.

• Aetna: Slightly lower average drug costs for some tiers.

Humana vs Blue Cross Blue Shield of Arizona

• Humana: Larger fitness and wellness benefit packages.

• BCBS Arizona: Broader local hospital network in certain counties.

How to Enroll in a Humana Medicare Advantage Plan in Arizona

1. Check Eligibility: You must have Medicare Parts A and B and live in the plan’s service area.

2. Compare Plans: Use the Medicare Plan Finder or Humana’s website.

3. Gather Information: Medicare number, effective dates, and personal details.

4. Enroll: Online, by phone, or with a licensed Humana agent.

Tips for Choosing the Best Humana Medicare Advantage Plan in Arizona

• Match the plan to your medical needs and prescription list.

• Ensure your doctors and hospitals are in-network.

• Compare drug formularies for your medications.

• Consider travel habits — PPO plans offer more flexibility.

Frequently Asked Questions (FAQs)

1. What is the cheapest Humana Medicare Advantage plan in Arizona?
   The Humana Gold Plus HMO with a $0 premium is among the cheapest, depending on your county.

2. Does Humana Medicare Advantage cover dental and vision in Arizona?
   Yes, most plans include dental, vision, and hearing coverage.

3. How does Humana compare to other providers in Arizona?
   Humana offers strong wellness benefits and $0 premium options, making it competitive.

4. Can I switch from Original Medicare to Humana?
   Yes, during enrollment periods.

5. What is the out-of-pocket maximum for Humana in Arizona?
   Ranges from $3,450 to $6,700 annually.

6. Do Humana plans include Part D prescription coverage?
   Most do, except some medical-only plans like Humana Honor PPO.

7. Are Humana’s Arizona plans good for rural areas?
   Yes, they often offer $0 premium plans in rural counties.

8. How do I find a Humana in-network doctor in Arizona?
   Use Humana’s online provider directory.

9. Are there Humana plans with $0 premiums in Arizona?
   Yes, several counties offer them.

10. What’s the difference between Humana HMO and PPO in Arizona?
    HMO requires in-network care with referrals; PPO offers out-of-network coverage at higher costs.

Conclusion – Finding the Right Humana Medicare Advantage Plan in Arizona

Choosing a Medicare Advantage plan is one of the most important decisions for Arizona beneficiaries in 2025. Humana’s broad selection of $0 premium options, strong network, and extra benefits make it a top choice for many.

Next Steps:

• Compare Humana plans available in your ZIP code.

• Check your provider network and prescription drug needs.

• Enroll during the Annual Enrollment Period or a Special Enrollment Period if you qualify.