Medicare Advantage

Humana's 2027 Medicare Advantage plans in Newark: the full plan-by-plan rundown

NEWARK, N.J. — Fall 2026. With the Annual Enrollment Period for 2027 Medicare coverage running October 15 through December 7, 2026, Humana's slate of Medicare Advantage plans for Essex County — the county Newark sits in — is now set. The carrier is offering seven plans here next year, including one new PPO and one Chronic Condition Special Needs Plan for people living with diabetes and heart conditions.

This article walks through what Humana is offering locally for 2027, by plan type and drug coverage, and how to check any plan against your own doctors and prescriptions before the December 7 deadline. MyMedicarePlans.org is an independent consumer site; we are not Humana and not affiliated with Medicare.

What Medicare Advantage plans does Humana offer in Newark for 2027?

Humana is offering 7 Medicare Advantage plans in Essex County, where Newark is located, for the 2027 plan year. The mix is 2 HMOs and 5 PPOs. Six of the seven include Part D prescription drug coverage; one PPO does not include drug coverage.

One of those seven is a Chronic Condition Special Needs Plan (C-SNP), designed for people with specific long-term conditions — in this case, diabetes and heart conditions. There are no Dual Eligible (D-SNP) or Institutional (I-SNP) plans from Humana in the county for 2027.

The table on this page lists each Humana plan by name, type and whether it includes drug coverage. Plan availability data comes from the CMS Medicare Advantage Landscape Source File for 2027.

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

One Humana plan is new in Essex County for 2027: HumanaChoice Giveback H7617-127 (PPO), which includes drug coverage. None of Humana's 2026 plans in the county are being discontinued for 2027.

Even when a plan returns, its details can change year to year. Humana will send current members an Annual Notice of Change (ANOC) in the fall explaining what is different for 2027 — things like the provider network, drug list (formulary), premiums, copays and extra benefits. If you are already in a Humana plan, that document is the single most useful thing to read before December 7.

How does Humana's Special Needs Plan in Newark work?

Humana's one Special Needs Plan in Essex County for 2027 is a Chronic Condition SNP (C-SNP) for people diagnosed with diabetes and certain cardiovascular conditions. C-SNPs are a type of Medicare Advantage plan built around a specific health condition, with benefits, provider networks and drug lists tailored to that group.

To join a C-SNP you generally need a doctor to confirm the qualifying diagnosis. Humana — or 1-800-MEDICARE — can walk you through whether you qualify and what documentation is needed.

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

The most reliable way is the official Medicare Plan Finder at medicare.gov. You can enter your ZIP code, add your prescriptions and the pharmacies you use, and compare any Humana plan available in Essex County side by side. The tool shows the plan's drug list, estimated yearly drug costs, and whether a specific pharmacy is in network.

For doctors and hospitals, check the plan's provider directory directly on Humana's website, or call the plan to confirm a specific provider is in network for 2027 — networks can change on January 1. If you prefer to talk to someone, 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week.

A short checklist before you decide:

• List your current doctors, hospitals and preferred pharmacies.
• List every prescription with the dose and how often you take it.
• Check each on the Plan Finder or with the plan directly.
• Read the Annual Notice of Change if you are already enrolled.

What else should Newark residents know about the 2027 plan year?

Humana is one of 9 carriers offering Medicare Advantage in Essex County for 2027, and all carriers together offer 48 plans in the county. So Humana's lineup is one piece of a larger local market — worth comparing against other carriers if your doctors, drugs or budget point you elsewhere.

A few program-level numbers already confirmed by CMS for 2027: the Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 (up from $615 in 2026). The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not been announced yet; CMS typically publishes them later in the fall.

Important timing: the Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026. Changes take effect January 1, 2027. If you do nothing, your current plan renews — assuming it is offered again — with any changes described in its ANOC.