Medicare Plans Offered

Plan Type	UnitedHealthcare	Humana
Medicare Advantage (Part C)	Yes – HMO, PPO, HMO-POS	Yes – HMO, PPO, PFFS
Prescription Drug Plans (Part D)	Yes – AARP-branded options	Yes – typically 3 options
Medicare Supplement (Medigap)	Yes – AARP-branded Plans A–N	Yes – in select states
Special Needs Plans (SNPs)	Yes – broad SNP coverage	Yes – chronic, dual, and institutional SNPs

Network & Availability

UnitedHealthcare:

• Offers plans in all 50 states and most U.S. territories.
• One of the largest provider and pharmacy networks nationwide.
• Strong ties to CVS, Walgreens, and other major chains.

Humana:

• Available in all 50 states, especially strong in South and Midwest.
• Broad provider networks, including many rural areas.
• Veterans may add Humana plans alongside VA benefits.

Benefits & Extras

Feature	UnitedHealthcare	Humana
Dental, Vision, Hearing	Included in most plans	Included in most plans
Fitness Program	Renew Active	SilverSneakers
OTC Allowance	Yes – varies by plan	Yes – quarterly or monthly
Telehealth & Virtual Care	Yes – via Teladoc and UHC	Yes – includes home health services
Chronic Condition Support	HouseCalls, care management	Chronic care programs & in-home support
Veteran-Focused Plans	Not veteran-specific	Yes – Honor plans for veterans

Premiums & Out-of-Pocket Costs

• UnitedHealthcare:
  • $0 premium Advantage plans widely available.
  • Low copays for Tier 1 drugs and preferred pharmacies.
  • Medigap plans may have higher premiums, but stable costs.
• Humana:
  • $0 premium Advantage plans also available.
  • Some plans offer Part B giveback incentives.
  • Out-of-pocket limits vary more between plan types.

Enrollment & Ease of Use

UnitedHealthcare:

• AARP affiliation provides simple enrollment.
• Strong online tools and mobile app support.
• Easy access to virtual care and HouseCalls.

Humana:

• Clear website navigation and in-person agent support.
• Helpful caregiver tools and member services.
• Proactive outreach for chronic condition management.

Who Each Plan Is Ideal For

Beneficiary Type	Best Pick
Veterans	Humana
Tech-savvy users	UnitedHealthcare
Rural residents	Humana
Wellness & fitness focused	UnitedHealthcare
Lowest prescription drug costs	Both
Chronic condition care	Humana

Pros and Cons

UnitedHealthcare

Pros:

• Largest network and strong nationwide coverage.
• Excellent fitness and wellness extras via Renew Active.
• AARP-branded plans offer stability and trust.

Cons:

• Medigap plans may cost more.
• Some Medicare Advantage plans have limited networks.

Humana

Pros:

• Ideal for veterans and rural residents.
• Part B premium giveback options in some plans.
• Strong chronic condition and in-home care support.

Cons:

• Tech tools may be less advanced than UHC.
• Plan benefits vary more significantly by location.

Final Verdict: Which Medicare Plan Wins?

Both UnitedHealthcare and Humana offer competitive, highly-rated Medicare plans. The best option depends on your lifestyle, healthcare needs, and personal preferences:

• Choose UnitedHealthcare if you want top-tier digital tools, nationwide access, and fitness-focused perks.
• Choose Humana if you value personalized care, live in a rural area, or are a veteran seeking supplemental benefits.

Need help deciding? Speak with an independent Medicare agent to compare personalized quotes, benefits, and provider compatibility.