Medicare Advantage

Humana's Medicare Advantage plans in Cincinnati for 2027: a plan-by-plan look before Dec. 7

CINCINNATI — As Medicare's Annual Enrollment 2027 runs from October 15 through December 7, 2026, Humana's Medicare Advantage lineup in Cincinnati is shifting. In Hamilton County, the carrier is set to offer 15 Medicare Advantage plans for 2027, including two new plans, one renamed plan, and nine plans that will not return next year, according to the CMS Medicare Advantage Landscape Source File.

MyMedicarePlans.org is an independent consumer news and education site. We are not Humana, and we are not Medicare. Humana is one of 14 carriers offering Medicare Advantage plans in Hamilton County next year — 82 plans in total across all carriers — so this article is a snapshot of one carrier's menu, not a recommendation.

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

In Hamilton County — the county Cincinnati sits in — Humana is listed with 15 Medicare Advantage plans for 2027, per the CMS MA Landscape Source File. By plan type, that is two HMOs, one HMO-POS, and 12 PPOs. Eleven of the 15 include Part D drug coverage, and four do not.

For comparison, Humana offered 22 Medicare Advantage plans in the county for 2026, so the net change is a smaller 2027 menu from this carrier. The table on this page lists every 2027 plan by name and type.

What Special Needs Plans does Humana offer in Hamilton County for 2027?

Humana's 2027 Hamilton County lineup includes one Special Needs Plan: Humana Gold Plus - Diabetes and Heart (HMO C-SNP), a Chronic Condition SNP for people living with certain qualifying conditions. There are no Humana Dual Eligible SNPs (D-SNPs) or Institutional SNPs (I-SNPs) listed for the county next year.

SNPs have their own eligibility rules. To enroll in a C-SNP you typically need a doctor's confirmation of a qualifying condition; D-SNPs require Medicaid eligibility. Medicare.gov and 1-800-MEDICARE can confirm whether you qualify.

What is new, renamed or not returning from Humana in Cincinnati for 2027?

Two Humana plans are new in Hamilton County for 2027: Humana Essentials Plus Giveback (PPO) and HumanaChoice Giveback H5216-481 (PPO). Both include Part D drug coverage.

One plan is renamed: Humana Full Access (PPO) was previously listed as Humana Full Access H5525-042 (PPO). It is the same contract and plan ID family, under a cleaner name. Nine of Humana's 2026 Hamilton County plans will not return for 2027. If you are enrolled in one of those plans, Humana is required to send you a non-renewal notice and you have a Special Enrollment Period to choose another plan. The specifics are in your ANOC — the Annual Notice of Change your plan mails each fall.

Which Humana plans in Cincinnati include drug coverage in 2027?

Of Humana's 15 Medicare Advantage plans in Hamilton County for 2027, 11 include Part D prescription drug coverage and four do not. The plans without drug coverage are the three Humana USAA Honor Giveback (PPO) listings and HumanaChoice R0110-015 (Regional PPO).

If you pick a Medicare Advantage plan without drug coverage, in most cases you cannot add a standalone Part D plan on top of it — the two main exceptions are PFFS and Medical Savings Account plans. If you need drug coverage, that is worth checking before you enroll. For 2027, CMS has confirmed Part D's out-of-pocket cap will be $2,400 (up from $2,100 in 2026) and the Part D maximum deductible will be $700 (up from $615 in 2026). The 2027 Part B standard premium and IRMAA income brackets have not been announced yet; CMS typically publishes those in the fall.

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

The one tool built for this is the Medicare Plan Finder at medicare.gov. Enter your ZIP code, type in each prescription (name, dose and how often you take it), and add your preferred pharmacy. The Plan Finder will show which plans cover each drug, what tier it is on, and your estimated yearly drug cost for each plan.

For doctors and hospitals, call the plan directly or check its online provider directory — networks change through the year, so confirm with both the plan and your provider's office that the doctor will still be in-network in 2027. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week, for help comparing plans. The deadline to make a change for January 1, 2027 coverage is December 7, 2026. If you do nothing, your current plan renews for 2027 if it is offered, with the changes listed in your ANOC.