Medicare Advantage

Humana Medicare Advantage in West Virginia for 2027: 18 Plans, County by County

CHARLESTON, W.Va. — Humana will offer 18 Medicare Advantage plans across West Virginia for the 2027 plan year, according to the Centers for Medicare & Medicaid Services Landscape Source Files. The lineup is a mix of HMO-POS, PPO and PFFS plans, and includes Special Needs Plans built for people with specific situations. This explainer is published by an independent Medicare education site; we are not the government, not affiliated with Medicare, and not Humana.

What is Humana offering across West Virginia for 2027?

Humana has 18 Medicare Advantage plans in West Virginia for the 2027 plan year. By plan type, that breaks down to 4 HMO-POS plans, 13 PPO plans and 1 PFFS plan. Fifteen of the 18 include Medicare prescription drug coverage, and three do not.

Within the lineup, Humana lists 4 Dual-Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid, and 1 Institutional Special Needs Plan (I-SNP) for people who meet an institutional level of care. There are no Chronic Condition SNPs (C-SNPs) from Humana in the state for 2027.

For context, CMS lists 8 other carriers offering Medicare Advantage in West Virginia for 2027, and 70 Medicare Advantage plans in total statewide across all carriers. The full plan-by-plan details are shown in the tables on this page.

Which Humana plans reach the most West Virginia counties for 2027?

Several Humana plans are listed in all 55 West Virginia counties for 2027. According to the CMS Landscape file, the plans with the widest county reach in the state include Humana Essentials Plus Giveback (PPO), Humana Together in Health (PPO I-SNP), both Humana USAA Honor Giveback (PPO) listings, HumanaChoice H5216-425 (PPO), HumanaChoice R0110-007 (Regional PPO) and HumanaChoice R0110-008 (Regional PPO) — each shown in 55 counties.

Humana Full Access (PPO) is listed in 53 counties, Humana Value Choice (PPO) in 45, and the D-SNP options — Humana Dual Select H5619-126, Humana Gold Plus SNP-DE H5619-162 and Humana Gold Plus SNP-DE H5619-179 — are each listed in 42 counties, with HumanaChoice SNP-DE H5216-220 (PPO D-SNP) in 43. Narrower-footprint options include Humana Gold Choice H8145-052 (PFFS) in 28 counties and HumanaChoice H5525-005 (PPO) in 8 counties. The full list is in the table above.

Statewide reach does not mean a plan is sold in every ZIP code of every county; always verify with medicare.gov using your own ZIP.

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

Humana has 1 new Medicare Advantage plan in West Virginia for 2027 and 5 plans that will not return. The new plan is Humana Together in Health (PPO I-SNP), which is listed in 55 counties and is designed for people who meet an institutional level of care.

Several continuing plans are renamed in the CMS data for 2027. Humana Essentials Plus Giveback (PPO) was previously HumanaChoice Giveback H7617-065 (PPO). Humana Full Access (PPO) was previously Humana Full Access H5216-124 (PPO). Humana Value Choice (PPO) was previously HumanaChoice H5216-327 (PPO). A rename is not the same as a benefit change, but it is a signal to read the Annual Notice of Change (ANOC) that your plan mails each fall.

If you are enrolled in a Humana plan that is not returning for 2027, Humana should send you a non-renewal notice. You then have options during the Annual Enrollment Period, and in many cases a Special Enrollment Period as well.

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

Use the Medicare Plan Finder at medicare.gov and enter your ZIP code to see which Humana plans are offered in your specific West Virginia county for 2027. A plan that appears on a statewide list may or may not be sold in your county.

Once you see the plans available at your address, open each one to check the monthly premium, the deductible, the copays for the services you use, the pharmacy and medical networks, and the Part D drug list ("formulary"). You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week, or request the plan's Summary of Benefits and Evidence of Coverage directly from Humana. Confirm your own doctors, hospitals and pharmacies are in-network before you enroll — networks can change from year to year.

What should West Virginians do before December 7, 2026?

The Annual Enrollment Period for 2027 Medicare Advantage and Part D coverage runs October 15 through December 7, 2026. A choice made during that window takes effect January 1, 2027.

A simple checklist for the weeks before December 7, 2026:

• Read the Annual Notice of Change from your current plan; it describes what is different for 2027.
• Make a current list of your prescriptions (name, dose, frequency) and your regular doctors and hospitals.
• On medicare.gov, compare the plans available in your county side by side.
• If you want help, call 1-800-MEDICARE.
• Keep a confirmation number for any enrollment you complete.

If none of your plan's changes affect you and your doctors and drugs are still covered, you do not have to do anything — your current plan will generally continue into 2027 if it is renewing.

Where can West Virginians get free help understanding Medicare for 2027?

Two free, official resources cover the whole state. The Medicare Plan Finder at medicare.gov lets you compare every plan available at your address, including Humana's. And 1-800-MEDICARE (TTY 1-877-486-2048) is staffed around the clock to answer enrollment questions and walk you through plan comparisons.

Keep documents from Humana — the Annual Notice of Change, the Evidence of Coverage, and any provider or pharmacy directories — in one folder so you can refer back to them during the Annual Enrollment Period and after January 1, 2027.