Humana Medicare plans in the Capital Region
What Humana sells to Medicare beneficiaries in New York, what the Capital Region's hospitals say about it in 2026, and how it compares. I'm appointed with Humana; I'm also appointed with the carriers it competes with, which is the point.
Humana (Humana Insurance Company of New York and Humana Health Company of New York, Inc.; home office New York, New York) sells the following to New York Medicare beneficiaries: Medicare Advantage HMO and PPO plans with Part D; Stand-alone Part D plans; Medicare Supplement (Medigap) policies in New York. Humana Medicare Advantage members who use Albany Med, Saratoga Hospital, Glens Falls Hospital, St. Peter's or Samaritan should check their plan's current directory before the Annual Enrollment Period. I'm appointed with Humana and with its competitors; the plan is chosen by checking your doctors, your hospital and your prescriptions against each specific plan, not by carrier name, and there's no fee for the comparison.
Who they are
A national carrier with a large Medicare Advantage and Part D presence. In the Capital Region the important fact about Humana is its hospital contracts: the Albany Med Health System stopped accepting Humana Medicare for non-emergency services after June 30, 2024, and St. Peter's Health Partners left Humana's Medicare network on January 1, 2025. Ellis Medicine still lists Humana. Humana also sells Medigap policies in New York; its Plan G premium in the Albany region rose sharply in 2026.
Plans are issued by Humana Insurance Company of New York and Humana Health Company of New York, Inc., home office New York, New York (1700 Broadway, New York; parent Humana Inc. is in Louisville, Kentucky). Named here because New York Insurance Law §2122(b) requires a licensee who names an insurer to give its full name and home-office city.
What Humana sells to Medicare beneficiaries in New York
- Medicare Advantage HMO and PPO plans with Part D
- Stand-alone Part D plans
- Medicare Supplement (Medigap) policies in New York
Not every product is sold in every county, and I don't offer every Humana plan. What I can quote for your ZIP code is settled in the first call.
Humana Medicare Advantage plans in the counties I cover, 2027
4 Humana plans are filed in the 17 counties I cover for 2027 (Albany, Saratoga, Schenectady, Rensselaer, Warren and Washington in person, the others by phone and video), according to the CMS landscape file read October 27, 2026. Premiums, benefits and star ratings are in each plan's own documents; which of these I can enroll you in, and whether one fits, is the comparison against your doctors and prescriptions.
| Plan | Type | Sold in |
|---|---|---|
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | HMO D-SNP | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Hamilton, Ulster, Dutchess |
| Humana USAA Honor Giveback (PPO) | PPO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Herkimer, Hamilton, Ulster, Dutchess |
| HumanaChoice H5970-029 (PPO) | PPO | Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington, Montgomery, Fulton, Columbia, Greene, Schoharie, Otsego, Herkimer, Hamilton, Ulster, Dutchess |
| Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | HMO D-SNP | Herkimer |
Every carrier's plans, county by county: Albany, Saratoga, Schenectady, Rensselaer, Warren, Washington.
What changed for Humana from 2026 to 2027
Across the six Capital Region counties: 1 new plan, 3 plans no longer sold. Every other Humana plan continues under the same plan ID; its premium, network and benefits can still change, and your Annual Notice of Change lists what did.
| Change | Plan | Plan ID | Counties |
|---|---|---|---|
| New for 2027 | Humana Gold Plus SNP-DE H3533-036 (HMO D-SNP) | H3533-036-1 | All six |
| No longer sold | Humana Gold Plus SNP-DE H3533-002 (HMO D-SNP) | H3533-002 | All six |
| No longer sold | HumanaChoice Giveback H5970-030 (PPO) | H5970-030 | All six |
| No longer sold | HumanaChoice SNP-DE H5970-020 (PPO D-SNP) | H5970-020 | All six |
If your plan is on the "no longer sold" list, you can choose another plan or return to Original Medicare without waiting for the usual window; the enrollment check shows your dates, and in New York you can also apply for a Medigap policy in any month.
From the CMS landscape files for 2026 and 2027, read October 27, 2026. The comparison covers the six Capital Region counties; the other counties on this site have no 2026 list here to compare against. Every carrier's changes, county by county: what changed for 2027.
Capital Region hospitals and Humana Medicare Advantage, 2026
| Hospital system | On the hospital's list? | Note from the list |
|---|---|---|
| Albany Med Health System Albany Medical Center (Albany), Saratoga Hospital (Saratoga Springs), Glens Falls Hospital, Columbia Memorial (Hudson), Malta Med Emergent Care | Not accepted | non-emergency services not accepted after June 30, 2024, per Saratoga Hospital's list |
| St. Peter's Health Partners St. Peter's Hospital (Albany), Samaritan Hospital (Troy), Sunnyview Rehabilitation Hospital (Schenectady), St. Peter's Health Partners Medical Associates | Not accepted | Medicare plans no longer participating effective Jan 1, 2025 |
| Ellis Medicine Ellis Hospital (Schenectady), Bellevue Woman's Center (Niskayuna), Medical Center of Clifton Park, Ellis Health Center | Listed | listed; Humana Medicaid excluded |
From the three systems' accepted-insurance pages, read October 15, 2026. "Listed" means the carrier appears on the hospital's list, not that every plan or every physician is in network; "Not accepted" means the hospital states the exclusion; "Not listed" means the carrier is absent from the list, which is unverified rather than excluded. Check the specific plan's directory either way. The full matrix and the hospitals' own wording are on which plans Capital Region hospitals accept; where each Humana plan stands, hospital by hospital: Albany Medical Center, St. Peter's Hospital, Ellis Hospital, Saratoga Hospital, Samaritan Hospital, Glens Falls Hospital.
Humana Medigap premiums, Albany region
| Plan | Monthly premium |
|---|---|
| Plan G | $601.17 |
| High-deductible Plan G | $90.31 |
| Plan N | $426.20 |
DFS comparison of community-rated Medicare Supplement premiums in effect October 1, 2026, Albany region (ZIP prefixes 120–123 and 128–129); the same premium applies at every age in New York. All carriers side by side: Medigap rates, Albany region.
What to watch
Humana Medicare Advantage members who use Albany Med, Saratoga Hospital, Glens Falls Hospital, St. Peter's or Samaritan should check their plan's current directory before the Annual Enrollment Period.
How I use this
I'm appointed with Humana and with its competitors, and I'm paid by the carrier rather than by you, at commission rates that Medicare caps for Advantage and Part D plans, so the comparison is a fair one. Every recommendation starts with your doctors and your hospital checked against the specific plan's directory, then your prescriptions priced through its formulary, then the total yearly cost. When a Humana plan is the right answer I'll say so; when it isn't, I'll say that too. Ask for a comparison, or read how to choose a Medicare plan in New York first. Official plan details: Humana's Medicare site.
- Humana Medicare (carrier site)
- Insurance company directory (NY Department of Financial Services) — legal entity names and home-office addresses, checked September 16, 2026
- Accepted insurance (Albany Med Health System)
- Accepted insurance (St. Peter's Health Partners)
- Participating insurance listing (Ellis Medicine)
- Comparison of 2026 Medicare Supplement premiums (NY DFS)
- Insurance Law §2122, advertising by licensees (New York State Senate)
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 81 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. 1-800-MEDICARE (TTY 1-877-486-2048) is available 24 hours a day, 7 days a week. Insurers' legal names and home offices: carriers page.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
Do you sell Humana Medicare plans?
Yes. I'm appointed with Humana and with the other carriers active in the Capital Region, and I'm paid by the carrier rather than by you. Not every Humana plan is available in every county, and I don't offer every plan; I'll tell you which ones I can quote for your ZIP code.
Does Albany Med accept Humana Medicare Advantage?
See the hospital table on this page, taken from the Albany Med Health System's own accepted-insurance list as read October 15, 2026, and remember that a carrier on the list does not guarantee every plan or physician is in network; the specific plan's directory is the final check.
Is Humana the right choice for me?
Only your doctors, hospital, prescriptions and budget can answer that. A Humana plan is right when those check out against the specific plan, and wrong when they don't, regardless of what the carrier's advertising says. I run that comparison across carriers at no fee.
Does Humana sell Medigap in New York?
Yes. Humana files community-rated Medicare Supplement premiums with the New York Department of Financial Services; in New York the same premium applies at every age and the policy is guaranteed-issue in any month. Albany-region premiums for the carriers in the DFS comparison are on the Medigap rates page.
Ask for a Medicare comparison
Your doctors, your prescriptions and your ZIP code are all I need to start. No fee for plan comparison or enrollment.