Medicare Advantage

Humana's Medicare Advantage plans in Reno for 2027: the full Washoe County lineup

Reno, Nev. — Fall 2026. If you have a Humana Medicare Advantage plan in the Reno area, or you are weighing one for next year, the 2027 lineup is set. Humana will offer six Medicare Advantage plans in Washoe County, the county Reno sits in, during the Annual Enrollment Period that runs October 15 through December 7, 2026. No Humana plans are leaving the county, no brand-new ones are being added, and three are returning under new names.

MyMedicarePlans.org is an independent consumer site. We are not Humana, not Medicare, and not selling anything. Below is what Humana's 2027 roster looks like in Washoe County, and how to check any plan against your own doctors and prescriptions before December 7.

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

In Washoe County, which includes Reno, Humana is offering 6 Medicare Advantage plans for 2027. By type, that is 2 HMOs and 4 PPOs. Five of the six include Part D prescription drug coverage, and two are Dual Eligible Special Needs Plans (D-SNPs) built for people who have both Medicare and Medicaid.

Medicare Advantage availability is set at the county level, so every Humana plan listed here is available to Medicare-eligible residents of Washoe County, Reno included. The table below lists every plan by name and type.

What is new, renamed or not returning in Humana's 2027 Reno lineup?

For 2027, Humana is not adding any new Medicare Advantage plans in Washoe County and is not pulling any out. Three plans are returning under different names:

• Humana Essentials Plus Giveback (PPO) — previously HumanaChoice Giveback H5216-194 (PPO)
• Humana Total Complete (HMO) — previously Humana Gold Plus H6622-075 (HMO)
• Humana Value Choice (PPO) — previously HumanaChoice H5216-039 (PPO)

A rename does not automatically mean the plan's costs or benefits are the same as last year. Every Medicare Advantage plan sends members an Annual Notice of Change (ANOC) each fall that spells out what is different for the coming plan year. If you are currently enrolled in one of these, read the ANOC before December 7.

Which Humana Special Needs Plans are available in Washoe County for 2027?

Humana offers 2 Dual Eligible Special Needs Plans (D-SNPs) in Washoe County for 2027: one HMO D-SNP and one PPO D-SNP. Both include drug coverage. D-SNPs are limited to people enrolled in both Medicare and Medicaid; eligibility is checked when you apply. Humana is not offering a Chronic Condition SNP (C-SNP) or an Institutional SNP (I-SNP) in the county for 2027.

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

Use the Medicare Plan Finder at medicare.gov, or call 1-800-MEDICARE (available 24/7). Both let you enter your ZIP code, your prescriptions and your pharmacy, and see each plan's drug list and estimated yearly drug costs. For doctors and hospitals, check the plan's provider directory on the carrier's site, or call the plan directly and ask whether a specific provider is in-network for the exact plan name and plan year.

A few things worth confirming for 2027:

• Each prescription you take is on the plan's formulary, at a tier you can afford.
• Your primary care doctor, specialists, and preferred hospital are in-network.
• Your pharmacy is a preferred (not just standard) in-network pharmacy, if the plan draws that distinction.
• Any extra benefits you rely on (dental, vision, hearing, over-the-counter, transportation) are still included.

What else is changing for 2027 that affects a Reno Humana shopper?

A few program-wide numbers already published by CMS matter for anyone comparing plans with drug coverage:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026).
• The Medicare Prescription Payment Plan — the optional program that spreads your drug costs across the year in monthly bills — continues in 2027.

The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, had not been announced as of September 2026. CMS normally publishes those in the fall.

What happens if I do nothing by December 7?

If you take no action by December 7, 2026, and your current plan is being offered again in 2027, you stay in it. Your coverage renews January 1, 2027 with whatever changes the ANOC describes — new name, new drug list, new copays, new extras. Doing nothing is a real choice; it just means you accept next year's version of this year's plan.

If you want to switch between Medicare Advantage plans, or move from Original Medicare into a Medicare Advantage plan, the Annual Enrollment Period for 2027 closes December 7, 2026. There is also a Medicare Advantage Open Enrollment Period from January 1 to March 31, 2027 for people already in a Medicare Advantage plan who want to change once.

Who else sells Medicare Advantage in Washoe County for 2027?

Humana is one of 9 carriers offering Medicare Advantage in Washoe County for 2027. Across all carriers, there are 42 Medicare Advantage plans available in the county next year. If a Humana plan does not fit your doctors or prescriptions, the Plan Finder at medicare.gov will show you every other option in your ZIP code side by side.