Humana is one of the largest Medicare Advantage and Part D providers in the United States, covering millions of seniors. Humana's 2026 formulary reflects recent Inflation Reduction Act changes, including the main,000 annual out-of-pocket cap for Part D plans. Commercial plan formularies are managed separately and vary by employer.

Key Facts

Humana's Medicare Part D plans feature a main,000 annual out-of-pocket maximum in 2026 (per IRA provisions)
The formulary uses 5 tiers for Medicare plans: Preferred Generic, Generic, Preferred Brand, Non-Preferred Drug, and Specialty
Humana Pharmacy (mail order) and CenterWell Pharmacy offer preferred pricing
Humana covers all Part D required drug categories and classes
Prior authorization decisions for urgent requests are made within 24 hours
Humana's Value plan formulary is more restrictive but has lower monthly premiums

Open Enrollment Reminder

ACA marketplace enrollment runs November 1 to January 15. Medicare Annual Enrollment is October 15 to December 7. Compare formularies for your medications before choosing a plan.

Can't Afford Your Medication?
Find Patient Assistance Programs
Search manufacturer PAPs and nonprofit programs on OmniRx
Compare Cash Prices
Find the Lowest Pharmacy Price
Compare prices at pharmacies near you on RxGrab

Check Your Specific Plan's Formulary

Coverage varies by plan. Use our formulary checker tool to look up your exact copay and restrictions.

Open Formulary Checker

Frequently Asked Questions

How does the main,000 out-of-pocket cap work for Humana Medicare Part D?

Starting in 2025 (continuing in 2026), Medicare Part D plans including Humana cap your annual out-of-pocket drug spending at main,000. Once you reach this amount, you pay $0 for the rest of the year. Humana also offers the Medicare Prescription Payment Plan, which lets you spread costs across monthly installments.

Does Humana cover insulin?

Yes. Under Medicare Part D regulations, Humana caps insulin copays at