Medicare Advantage

Humana's 2027 Medicare Advantage plans in Henderson: how to match each one to your doctors and drugs

Henderson, Nev. — As the fall 2026 Annual Enrollment Period runs from October 15 through December 7, Humana is bringing 14 Medicare Advantage plans to Clark County for the 2027 plan year, including two that are new for next year. Henderson is in Clark County, so the plan menu you see on Medicare.gov is the Clark County menu.

This piece walks through Humana's 2027 lineup here — what kinds of plans it offers, which ones carry drug coverage, which are Special Needs Plans, and how to check any of them against your own doctors and prescriptions before December 7. MyMedicarePlans.org is an independent news and education site; we are not Humana, and Humana is one of 10 carriers offering Medicare Advantage plans in Clark County for 2027 (72 plans in all).

How many Humana Medicare Advantage plans are offered in Henderson for 2027?

In Clark County, which includes Henderson, Humana is offering 14 Medicare Advantage plans for 2027. That total breaks down to 8 HMO plans and 6 PPO plans, and the table below lists every one of them by name.

Of the 14, 13 include Part D prescription drug coverage built in; one PPO (Humana USAA Honor Giveback) is offered without drug coverage, which is a common setup for veterans who already have drug coverage through the VA. Humana is one of 10 carriers selling Medicare Advantage in the county next year, and all carriers combined offer 72 plans.

What is new or not returning from Humana in Clark County for 2027?

Two Humana plans are new for 2027 in Clark County, and none of its current plans are being discontinued here. The new entries are a Humana Gold Plus (HMO) plan and a Humana Gold Plus - Diabetes and Heart (HMO C-SNP) plan.

Even when a plan returns under the same name, the details inside it can shift from one year to the next — the provider network, the drug formulary, copays, extra benefits and the premium are all set each year. Those changes are spelled out in the Annual Notice of Change (ANOC) that your current plan mailed you in late September. If you cannot find yours, call the member services number on your card and ask them to send another.

What are the Special Needs Plans Humana offers in Henderson for 2027?

Humana has 5 Special Needs Plans in Clark County for 2027: 3 Dual Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid, and 2 Chronic Condition Special Needs Plans (C-SNPs) built around diabetes and cardiovascular conditions. There are no Institutional SNPs (I-SNPs) in this lineup.

SNPs limit enrollment to people who meet the plan's eligibility rules, so a D-SNP requires you to qualify for Medicaid in Nevada and a C-SNP requires a qualifying diagnosis your doctor can confirm. All five of Humana's SNPs here include Part D drug coverage.

How do I check a Humana plan against my doctors and prescriptions before December 7?

The cleanest way is to use the Medicare Plan Finder at medicare.gov: enter your ZIP code, add your prescriptions with the exact doses, add your pharmacy, and the tool will show how each plan handles your drug list. For doctors, call each provider's billing office and ask specifically whether they are in-network for the exact plan name and contract number for 2027 — not just "Humana."

A few things worth checking plan by plan before December 7, 2026:

• Drugs: Is every medication on the formulary, what tier is it on, and does it need prior authorization or step therapy?
• Doctors and hospitals: Are your primary care doctor, specialists and preferred hospital in-network for that specific plan next year?
• Plan type: HMO plans generally require you to use in-network providers and get referrals; PPO plans let you go out-of-network at a higher cost. Humana offers both here.
• Pharmacy: Is your pharmacy a preferred pharmacy for that plan? That can change what you pay at the counter.
• Extra benefits: Dental, vision, hearing, over-the-counter and transportation benefits vary. Confirm what applies to the plan you're considering, not the carrier generally.

If you prefer to talk to a person, 1-800-MEDICARE is open 24/7 and can walk through options with you.

What is changing for Medicare in 2027 that affects every plan?

Two Part D numbers are already confirmed for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible a plan can charge rises to $700 in 2027 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input CMS uses, not the premium any specific plan charges.

A few 2027 figures are not out yet. CMS typically announces the standard Part B premium and deductible, and the IRMAA income brackets for higher earners, later in the fall — usually in November. For 2026, IRMAA surcharges begin above $109,000 in income for a single filer. The Medicare Prescription Payment Plan, which lets you spread drug costs across the year in monthly installments, continues to be available in 2027 for anyone enrolled in a Part D plan.

What happens if I do nothing by December 7?

If you take no action by December 7, 2026, your current Medicare Advantage plan automatically renews for 2027 — assuming it is being offered again — with whatever changes are in the ANOC. Since none of Humana's current Clark County plans are being discontinued, no Humana member here will be forced into a new plan.

You will also have a second window: the Medicare Advantage Open Enrollment Period runs January 1 through March 31, 2027. During those three months, people already in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop back to Original Medicare one time.