Medicare Advantage

Humana's Medicare Advantage plans in Durham for 2027: how to check each one against your doctors and drugs

DURHAM, N.C. — Fall 2026. Humana is bringing 20 Medicare Advantage plans to Durham County for 2027, and the full lineup is now visible in CMS's plan data ahead of the Annual Enrollment Period that runs Oct. 15 through Dec. 7, 2026. Three of Humana's plans here are new for next year, two are not returning, and one is being renamed — changes that make this a good year to look past the plan name and check each option against your own doctors and prescriptions before the Dec. 7 deadline.

MyMedicarePlans.org is an independent consumer site and is not Humana or Medicare. We publish availability counts and plan names from CMS; we do not sell plans or recommend one over another. Humana is one of 11 carriers offering Medicare Advantage in Durham County for 2027, which together list 69 plans.

Which Humana Medicare Advantage plans are offered in Durham County for 2027?

Humana offers 20 Medicare Advantage plans in Durham County for 2027. The breakdown by plan type is 4 HMO, 5 HMO-POS and 11 PPO. Of those, 17 include Part D drug coverage and 3 do not. Six are Special Needs Plans: 5 are Dual Eligible SNPs (D-SNPs) for people with both Medicare and Medicaid, and 1 is a Chronic Condition SNP (C-SNP). There are no Institutional SNPs (I-SNPs) from Humana in the county next year.

The full roster is in the table below. The plan families Humana lists for Durham County include Humana Dual Select, Humana Full Access, Humana Gold Plus (including Gold Plus Giveback and the Gold Plus SNP-DE and Diabetes and Heart variants), Humana USAA Honor Giveback, and HumanaChoice (including HumanaChoice Giveback and HumanaChoice SNP-DE).

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

For 2027, Humana has three new plans in Durham County, two plans that are not returning, and one plan that has been renamed. The renamed plan is Humana Full Access (Regional PPO), previously listed as Humana Full Access R0110-005 (Regional PPO). The three plans new for next year are Humana Gold Plus Giveback H1036-343 (HMO-POS), Humana Gold Plus H1036-137 (HMO-POS) and HumanaChoice H7617-122 (PPO).

If a plan you have today is on the "not returning" list, you will get a non-renewal notice from Humana and you have a Special Enrollment Period to pick something else. If your plan is renewing, read the Annual Notice of Change (ANOC) Humana mailed in late September — it spells out what is changing in your coverage, network and drug list for 2027.

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

Use the official Medicare Plan Finder at medicare.gov, or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week. Those are the only sources that pull live 2027 benefit details, provider networks and drug formularies for every plan in Durham County.

A simple way to work through it:

• Make a list of your doctors, hospitals and the pharmacy you use.
• List every prescription you take, including the dose and how often.
• At medicare.gov, enter your ZIP code and your drugs, then open each Humana plan you are considering.
• Check the plan's provider directory for each doctor and hospital — networks can change year to year even inside the same plan.
• Check the plan's 2027 formulary for each drug, and note tier, any prior authorization, and whether your pharmacy is "preferred."
• Read the Summary of Benefits and the full Evidence of Coverage before you enroll.

Doing this plan by plan is the only reliable way to know whether a specific Humana plan — or any other carrier's plan — fits your situation.

What should I know about Humana's Special Needs Plans in Durham County?

Humana's six Special Needs Plans in Durham County for 2027 are limited to people who meet the eligibility rules for that plan type. Five are D-SNPs, for people who have both Medicare and full or partial Medicaid; one is a C-SNP designed for people with specific chronic conditions (diabetes and chronic heart failure or cardiovascular disorders). You cannot enroll in an SNP unless you qualify, and the plan can disenroll you if you lose eligibility. If you are not sure whether you qualify, 1-800-MEDICARE or North Carolina Medicaid can confirm.

What are the 2027 dates and Part D figures I need to know?

The Annual Enrollment Period for 2027 coverage runs Oct. 15 through Dec. 7, 2026. Anything you choose in that window starts Jan. 1, 2027. If you do nothing and your current plan is renewing, it continues automatically with the changes described in its ANOC. If you join a Medicare Advantage plan and change your mind, the Medicare Advantage Open Enrollment Period (Jan. 1 – March 31, 2027) gives you one switch or a return to Original Medicare.

CMS has confirmed these Part D figures for 2027:

• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• Part D national base beneficiary premium: $41.33 for 2027 (this is a formula input, not what any specific plan charges).

The 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets have not yet been announced; CMS typically publishes those in the fall, usually in November. The Medicare Prescription Payment Plan, which lets you spread drug costs over the plan year in monthly installments, remains available.