Medicare Advantage

Does your Humana plan still cover your doctors in Memphis?

MEMPHIS — Humana's 2027 Medicare Advantage lineup for Shelby County is set, and the Annual Enrollment Period for coverage that starts January 1, 2027 is open now through December 7, 2026. If you are already on a Humana plan, or thinking about one, the time to check that your doctors and prescriptions still fit is before that deadline.

This article walks through what Humana is offering in the county Memphis sits in, what is new or not returning, and how to confirm the details that actually matter to you.

What Humana Medicare Advantage plans are offered in Memphis for 2027?

In Shelby County, where Memphis sits, Humana is offering 13 Medicare Advantage plans for 2027. The mix is 5 HMOs and 8 PPOs. Of those, 10 include Part D prescription drug coverage and 3 do not. Five are Special Needs Plans: 2 Dual-Eligible SNPs (D-SNP), 1 Chronic Condition SNP (C-SNP), and 2 Institutional SNPs (I-SNP).

The table below lists every Humana plan available in the county for 2027, by plan type and whether it includes drug coverage. MyMedicarePlans.org is an independent news and education site; we are not Humana, and we do not sell plans. Humana is one of 11 carriers offering Medicare Advantage plans in Shelby County for 2027 — 74 plans in total across the county.

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

For 2027, Humana has 1 new plan in the county, 1 plan that is not returning, and 1 plan that was renamed. The renamed plan carries forward from 2026 under a new name — Humana Dual QMB Only (HMO D-SNP), previously listed as Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP). A new Humana Together in Health (PPO I-SNP) offering appears on the 2027 list.

If you are already enrolled in a Humana plan, the Annual Notice of Change (ANOC) that arrived in late September spells out exactly what is different for your plan next year — including whether it is one of the plans that is not returning. If your plan is leaving, Medicare gives you a Special Enrollment Period to choose a new one.

Which Humana plans in Memphis include drug coverage, and which don't?

Ten of Humana's 13 Shelby County plans for 2027 include Part D drug coverage built in. Three do not: Humana USAA Honor Giveback (HMO), Humana USAA Honor Giveback (PPO), and HumanaChoice R0110-017 (Regional PPO). Those "MA-only" plans are generally designed for people who get drug coverage another way, such as through the VA.

A few program-level numbers for Part D are worth keeping in mind as you compare. In 2027, the Part D out-of-pocket cap rises to $2,400 (up from $2,100 in 2026), and the maximum Part D deductible a plan can charge rises to $700 (up from $615 in 2026). The coverage gap, or "donut hole," has been gone since 2025 — Part D now has three phases. The optional Medicare Prescription Payment Plan lets you spread drug costs across the year in level monthly amounts if that helps your budget.

What are the Special Needs Plans Humana offers in Shelby County?

Humana's five Special Needs Plans in the county for 2027 fall into three categories. Two are D-SNPs — Humana Dual QMB Only (HMO D-SNP) and Humana Gold Plus SNP-DE H4461-022 (HMO D-SNP) — for people who have both Medicare and Medicaid. One is a C-SNP — Humana Gold Plus - Diabetes and Heart (HMO C-SNP) — for people with specific chronic conditions. Two are I-SNPs — both named Humana Together in Health (PPO I-SNP) — for people who live in a long-term care setting or need that level of care at home.

SNPs have eligibility rules beyond age 65, so not everyone can enroll. If you think you qualify, Medicare can confirm, and the plan can walk you through the paperwork.

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 (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. The Plan Finder lets you enter your prescriptions and your pharmacy, then shows how each plan's drug list ("formulary") and preferred pharmacies apply to your specific medications.

For doctors and hospitals, check the plan's own provider directory on Humana.com, or call the plan directly and ask whether a specific provider is in-network for the specific plan you are considering (plan networks differ even within one carrier). If you take a brand-name drug, ask whether it is on the formulary, what tier it sits on, and whether step therapy or prior authorization applies.

A few other 2027 figures are still pending. CMS has not yet published the 2027 Part B standard premium and deductible or the 2027 IRMAA income brackets; those usually come out in November. The IRMAA income threshold for 2026 begins above $109,000 for a single filer; the 2027 numbers will be posted at medicare.gov when they are released.

What happens if I do nothing by December 7?

Nothing dramatic. If your current plan is being offered again in 2027, it renews automatically with the changes described in your ANOC. If your plan is one of the ones not returning, Medicare will send a notice and give you a Special Enrollment Period to pick another plan. You also have the Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, during which someone already enrolled in a Medicare Advantage plan can switch once to another MA plan or back to Original Medicare.