Medicare Advantage

Humana's 2027 Medicare Advantage plans in Lubbock: how to vet each one before Dec. 7

LUBBOCK, Texas — Fall 2026. Humana's Medicare Advantage lineup for Lubbock County shifts again next year, with a slightly smaller slate, two new plans, three that will not be back, and a couple of renamed options. If you are enrolled in a Humana plan — or thinking about one — now is the time to look at what you have been mailed and match it against your own doctors and prescriptions before the Annual Enrollment deadline on December 7, 2026.

MyMedicarePlans.org is an independent consumer site and is not Humana. We are walking through this carrier's local lineup because readers ask about it; five other carriers also offer Medicare Advantage plans in Lubbock County for 2027, for a total of 38 plans countywide.

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

Humana is offering 14 Medicare Advantage plans in Lubbock County for the 2027 plan year, down from 15 in 2026. By plan type, that breaks out as 1 HMO, 12 PPOs (several of them regional PPOs), and 1 Private Fee-for-Service (PFFS) plan. Ten of the 14 plans include Part D prescription drug coverage; the other four do not.

Medicare Advantage availability is set at the county level, so these counts apply to anyone with a Lubbock County mailing address, not just the city of Lubbock. The full plan-by-plan list is in the table below.

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

Three of Humana's 2026 plans are not returning in Lubbock County for 2027, two plans are new for 2027, and two carry a new name. The new names are mostly cosmetic — the plans still exist — but a rename can also come with benefit changes, so the Annual Notice of Change is the document to read.

If one of your current plans is on the "not returning" list, Humana is required to send you a non-renewal notice. You then have the Annual Enrollment Period (October 15 – December 7, 2026) to pick a different plan, and a Special Enrollment Period into early 2027 if you need more time to switch to Original Medicare and a stand-alone Part D plan.

Does Humana offer any Special Needs Plans in Lubbock County?

Yes. For 2027, Humana is offering 2 Institutional Special Needs Plans (I-SNPs) in Lubbock County, both PPO-structured. It is not offering a Dual-Eligible SNP (D-SNP) or a Chronic-Condition SNP (C-SNP) here next year.

I-SNPs are limited to people who live in — or are expected to live in — a qualifying institutional setting, such as a nursing facility, for 90 days or more. If that is not your situation, these plans will not be an option for you, and Medicare's Plan Finder will filter them out automatically when you enter your details.

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

Go to medicare.gov/plan-compare, enter your ZIP code and your prescription drugs, and the Plan Finder will show every Medicare Advantage plan sold in Lubbock County — including the Humana plans listed in the table below — alongside your estimated drug costs and whether a specific plan includes your medications on its formulary. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week.

For doctors and hospitals, do two things: use the plan's online provider directory, and call your doctor's billing office to confirm they will be in-network for that specific Humana plan in 2027. Network participation can change between plan years, and PPO, HMO and PFFS plans each handle out-of-network care differently, so the plan type matters as much as the plan name.

Also skim the Annual Notice of Change your plan mailed in September. It is the single document that lists what is changing on your current plan for January 1, 2027 — premium, drug tiers, copays, and provider or pharmacy network updates.

What else is changing in Medicare for 2027?

A few program-wide numbers are already set for 2027. The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible rises to $700 (up from $615 in 2026). The Part D national base beneficiary premium for 2027 is $41.33 — that is a formula input Medicare uses, not what any specific plan charges.

CMS has not yet announced the 2027 Part B standard premium and deductible, or the 2027 IRMAA income brackets. Those are typically published later in the fall, usually in November. The Medicare Prescription Payment Plan — the option to spread your out-of-pocket drug costs across the year in monthly installments — continues in 2027, and you can opt in through your Part D or Medicare Advantage drug plan.