Medicare Advantage

Humana Medicare Advantage in Vermont for 2027: 5 Plans, County by County

MONTPELIER — For the 2027 plan year, Humana lists 5 Medicare Advantage plans across Vermont, according to the CMS Medicare Advantage Landscape Source File. All 5 are preferred provider organization (PPO) plans, and together with the fact that no other carrier is listed as offering Medicare Advantage in the state for 2027, Humana's lineup accounts for every Medicare Advantage plan on the Vermont landscape this year. This article, from an independent Medicare education site that is not the government and not an insurance carrier, walks through what the files show and how to check a plan county by county.

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

Humana has 5 Medicare Advantage plans listed in Vermont for 2027, and all 5 are PPOs, per the CMS Landscape Source File. Of those 5, 4 include Part D prescription drug coverage and 1 does not. Humana's Vermont lineup for 2027 does not include any Special Needs Plans: there are 0 Dual-Eligible SNPs (D-SNP), 0 Chronic Condition SNPs (C-SNP) and 0 Institutional SNPs (I-SNP). The CMS file also shows that no other carrier offers Medicare Advantage in Vermont for 2027, so the all-carriers total for the state is the same 5 plans.

Each plan is offered county by county, which means the five-plan statewide count does not translate directly into "five choices in every town." Your menu depends on where you live.

Which Humana plans have the widest county reach in Vermont for 2027?

In the CMS 2027 file for Vermont, the Humana plan listed in the most counties is HumanaChoice Giveback H5216-138 (PPO), which appears in 6 counties and includes drug coverage. The next widest footprints belong to Humana USAA Honor Giveback (PPO), listed in 4 counties without drug coverage; HumanaChoice H5216-473 (PPO), new for 2027, listed in 4 counties with drug coverage; and HumanaChoice H5216-474 (PPO), also new for 2027, listed in 4 counties with drug coverage. HumanaChoice Giveback H7617-046 (PPO) is listed in 3 counties with drug coverage.

The full plan-by-plan list, with county counts and whether each plan includes Part D, is rendered as a table elsewhere on this page. Use that table alongside the Medicare.gov Plan Finder to see which of these plans actually reach your ZIP code.

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

Humana has 2 plans that are new for 2027 in Vermont and 0 plans not returning, according to the CMS year-over-year comparison. The two new entries are HumanaChoice H5216-473 (PPO) and HumanaChoice H5216-474 (PPO); both include drug coverage and both are listed in 4 Vermont counties.

Because none of Humana's 2026 Vermont plans are flagged as leaving for 2027, current Humana members generally will not see their plan disappear from the Vermont landscape. That is not the same as saying nothing changes. Every year, plans can update their service areas, cost sharing, provider networks and drug lists, so the "annual notice of change" that Humana mails in the fall is worth reading in full.

How do I check whether a Humana plan is offered in my Vermont county and covers my doctors and prescriptions?

To check whether a specific Humana plan is offered in your Vermont county for 2027, use the Medicare Plan Finder at medicare.gov and enter your ZIP code, or call 1-800-MEDICARE (1-800-633-4227), which is available 24 hours a day, seven days a week. The Plan Finder shows which plans serve your address, and from there you can look up the plan's provider directory and drug list (formulary).

A few steps that save time:

• Have your list of doctors, hospitals and regular prescriptions in front of you, with dosages.
• In Plan Finder, enter your drugs and preferred pharmacy so results reflect your real situation.
• Open each plan's Summary of Benefits and Evidence of Coverage for the specifics; those documents, not a summary article, are the controlling source on what a plan covers.
• Call the plan directly to confirm that a particular provider is in network for 2027, since directories update throughout the year.

This article does not list premiums, copays, benefits, networks or star ratings for any Humana plan; those details belong to the plan documents and to Medicare.gov.

What should Vermont Medicare beneficiaries do before December 7, 2026?

Annual Enrollment 2027 runs from October 15 through December 7, 2026, and any choice made during that window takes effect January 1, 2027. Before December 7, 2026, it is reasonable to review your current coverage, compare it against what is available in your county for 2027, and make a change only if a different plan fits your needs better.

A simple checklist:

• Read the Annual Notice of Change from your current plan.
• On Medicare.gov, confirm which 2027 plans are offered at your address.
• Check that your doctors, hospitals and pharmacies are in the plan's 2027 network.
• Check that your prescriptions are on the 2027 formulary at a tier you can live with.
• Confirm your decision in writing or through Medicare.gov once you choose.

The date is the date; there is no need to rush, but there is also no extension past December 7, 2026 for Annual Enrollment 2027.

Where can Vermonters get free help comparing Medicare plans for 2027?

Two free, official resources are available to every Vermonter with Medicare: Medicare.gov, which hosts the Plan Finder and plan documents, and 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, seven days a week, including TTY service at 1-877-486-2048. Both can confirm which Humana plans are offered in your county for 2027 and walk you through how to enroll.

Because this site is independent and not affiliated with Humana, CMS or Medicare, we point readers back to those official sources for anything plan-specific.