Medicare Advantage

Does Humana Cover Your Plano Doctors and Drugs for 2027?

Plano, Texas — Fall 2026. If you have a Humana Medicare Advantage plan in Plano, or you are weighing one for next year, this is the window to look at the lineup side by side. Humana's 2027 slate for Collin County, where Plano sits, includes 25 Medicare Advantage plans — some new, some renamed, and four that will not be returning. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.

MyMedicarePlans.org is an independent consumer site. We are not Humana, and we are not Medicare. Humana is one of 12 carriers offering Medicare Advantage plans in Collin County for 2027 (81 plans in all, per CMS). This piece walks only Humana's lineup so you can match it against your doctors and prescriptions before the deadline.

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

Humana is offering 25 Medicare Advantage plans in Collin County, the county Plano belongs to, for plan year 2027. By type, that is 9 HMOs and 16 PPOs. Twenty-two of the 25 include Part D drug coverage; three do not.

The table below lists every Humana plan available in the county next year, with plan type and whether it includes drug coverage. Among the names you will see are familiar ones like Humana Gold Plus and HumanaChoice, alongside newer entries. Nothing here says one plan is better than another — plan details, networks and costs are set by Humana and shown in the plan's own documents.

What is new, renamed or not returning in Humana's 2027 lineup?

Seven Humana plans are new for 2027 in Collin County, one plan is renamed, and four 2026 plans are not returning. The ones flagged as new in the CMS 2027 Landscape file include Humana DaVita Kidney Care (PPO C-SNP) entries, Humana Essentials Plus Giveback (PPO), a second Humana Together in Health (PPO I-SNP), Humana Value Choice (PPO), HumanaChoice Giveback H5216-358 (PPO) and HumanaChoice H5216-352 (PPO).

Humana Total Complete (HMO) is listed as renamed — it was Humana Total Complete H4461-051 (HMO) in 2026.

If you are already in a Humana plan, you should receive an Annual Notice of Change (ANOC) by late September. That is the document that tells you exactly what is changing — premium, copays, drug list, network — for your specific plan in 2027. If your plan is one of the four not returning, Humana will say so in writing and explain your options.

Which Humana Special Needs Plans are available in Collin County for 2027?

Humana's 2027 Special Needs Plan (SNP) lineup in Collin County includes 3 Dual-Eligible SNPs (D-SNPs), 4 Chronic Condition SNPs (C-SNPs) and 2 Institutional SNPs (I-SNPs).

SNPs are built around specific populations. D-SNPs are for people who have both Medicare and Medicaid. C-SNPs are for people with certain chronic conditions — Humana's include plans named for diabetes and heart conditions, and new DaVita Kidney Care plans. I-SNPs are for people who live in, or need the level of care provided in, long-term care settings. You have to qualify to enroll, and the plan verifies eligibility.

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

The most reliable check is on Medicare.gov's Plan Finder, which pulls directly from each plan's current filings. Enter your ZIP code, add your prescriptions and your preferred pharmacy, and the tool will show how each plan handles them.

A short checklist that works for any plan on the list:

• Enter your drugs exactly as prescribed, including dose and quantity, in the Medicare.gov Plan Finder.
• Pick your pharmacy — the same drug can cost different amounts at different pharmacies in the same plan.
• Call your doctors' offices and ask whether they take the specific Humana plan you are considering for 2027. "We take Humana" is not specific enough; plan names and contract numbers matter.
• Read the Summary of Benefits and, if you want the full detail, the Evidence of Coverage on Humana's site.
• If you take higher-cost drugs, ask about the Medicare Prescription Payment Plan, which lets you spread Part D out-of-pocket costs across the year.

For 2026, the Part D out-of-pocket cap is $2,100 and the maximum Part D deductible is $615. For 2027, the Part D out-of-pocket cap rises to $2,400 and the maximum Part D deductible rises to $700. The 2027 Part B premium and the 2027 IRMAA income brackets have not been announced yet; CMS typically publishes them in the fall.

What happens if I do nothing by December 7?

Nothing happens automatically to a person who does nothing — your current plan renews for 2027 if Humana is offering it again, with whatever changes are described in your ANOC. If your 2026 plan is one of the four Humana plans not returning in Collin County, you will need to pick a different plan or you will fall back to Original Medicare. Humana's notice will explain the timing and your special enrollment rights.

The Annual Enrollment Period ends December 7, 2026. If you later change your mind about a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period runs January 1 – March 31, 2027, and lets you make one switch.