Quick answer: For 2027, Humana offers Gold Plus HMOs and several PPOs in Volusia and Flagler, including two plans that reduce your Part B premium. Humana Full Access Giveback (H7617-111 and H5216-393) is not offered in Volusia for 2027, so members there need a new plan by January 1. We’re appointed with Humana and can compare its 2027 plans with other carriers between October 15 and December 7.
Humana is one of the most familiar Medicare names in Volusia County, and a lot of people we sit down with are on a Humana plan today. For 2027 the lineup shifted: one popular giveback PPO is leaving Volusia, and the remaining choices split clearly into HMOs with low out-of-pocket limits and PPOs with more flexibility. Here’s what the 2027 Summaries of Benefits and CMS data show.
| Plan | Plan ID | Type | Monthly premium | Max out-of-pocket | PCP / specialist | Part B giveback | Drug deductible |
|---|---|---|---|---|---|---|---|
| Humana Gold Plus | H1036-044 | HMO | $0 | $2,700 | $0 / $10 | None | $700 |
| Humana Gold Plus Giveback | H1036-157 | HMO | $0 | $3,700 | $0 / $25 | Up to $136 | $700 |
| Humana Value Choice | H5216-070 | PPO | $0 | $7,150 | $0 / $40 | None | $700 |
| Humana Essentials Plus Giveback | H7617-126 | PPO | $0 | $7,150 | $0 / $50 | Up to $92 | $700 |
| HumanaChoice Florida | H7284-009 | PPO | $38.90 | $6,750 | $0 / $35 | None | $700 |
Source: each plan’s 2027 Summary of Benefits; premium, MOOP and drug deductible cross-checked with the CMS CY2027 Landscape file (Sept. 2026). In-network figures. Plan year 2027.
Gold Plus has the lowest out-of-pocket limit in Humana’s Volusia lineup at $2,700, with a $10 specialist copay. Gold Plus Giveback trades a slightly higher limit and a $25 specialist copay for a Part B premium reduction of up to $136 a month. Both are HMOs, so you pick an in-network primary care doctor who coordinates referrals.
Value Choice, Essentials Plus Giveback and HumanaChoice Florida let you see out-of-network providers at a higher cost. Essentials Plus Giveback adds a Part B reduction of up to $92 a month. HumanaChoice Florida has a $38.90 premium but a lower out-of-pocket limit than the other two PPOs.
Other Humana options: Humana USAA Honor Giveback (HMO and PPO versions) has no Part D and is designed for veterans; see our guide to Medicare with VA benefits. Humana HumanaChoice Regional PPOs (R5826) are also offered. Humana Gold Plus Diabetes and Heart and Gold Plus Lung are C-SNPs for qualifying chronic conditions, and Dual Select and Dual Integrated plans serve people with Medicare and Medicaid.
Humana Full Access Giveback (PPO), contract and plan IDs H7617-111 and H5216-393, is not offered in Volusia, Flagler or Brevard for 2027. If you’re a member, you should receive a non-renewal letter, and you’ll need to choose a new plan to have coverage on January 1, 2027. Leaving a plan that’s ending may also give you a guaranteed issue right to a Medicare Supplement. Our guide to Medicare Advantage plans leaving in 2027 walks through your options and deadlines.
If you liked the Part B giveback, Gold Plus Giveback and Essentials Plus Giveback are Humana’s giveback plans in Volusia for 2027, and we’ll compare them with other carriers’ giveback plans for you.
Brevard County: Humana’s Brevard lineup is different. CMS 2027 data lists HumanaChoice Florida PPOs (H5216-062, H5216-472 and H7284-008) and HumanaChoice Giveback PPOs (H7617-110, H7617-145 and H5216-311) for Brevard. Call us and we’ll walk through the Brevard plans for your ZIP code.
CarePlus Health Plans is a Florida Medicare Advantage company owned by Humana, and we’re appointed with CarePlus too. Its 2027 plans are HMOs, and several have low out-of-pocket limits.
| Plan | Plan ID | Type | Monthly premium | Max out-of-pocket | PCP / specialist | Part B giveback | Drug deductible |
|---|---|---|---|---|---|---|---|
| CareOne Plus | H1019-113 | HMO | $0 | $3,000 | $0 / $10 | Up to $2 | $700 |
| CareFree Platinum Giveback | H1019-094 | HMO | $0 | $3,750 | $0 / $30 | Up to $124.50 | $700 |
| CareAccess | H1019-144 | HMO | $0 | $4,000 | $0 / $30 | None | $700 |
Source: each plan’s 2027 Summary of Benefits; premium, MOOP and drug deductible cross-checked with the CMS CY2027 Landscape file (Sept. 2026). In-network figures. Plan year 2027. Offered in Volusia and Flagler; CareAccess is also offered in Brevard.
CareOne Plus has the lowest out-of-pocket limit of the three and a $10 specialist copay. CareFree Platinum Giveback reduces your Part B premium by up to $124.50 a month. CarePlus also offers CareSalute (HMO), a plan without Part D that’s designed for veterans, along with C-SNPs for qualifying chronic conditions (CareComplete, CareComplete Platinum, CareBreeze and CareBreeze Platinum) and CareNeeds D-SNPs for people with Medicare and Medicaid.
CarePlus in Brevard: CMS 2027 data lists CareOne Plus (HMO-POS) H1019-043, CareFree Giveback H1019-134, CareFree Platinum Giveback H1019-139 and CareAccess H1019-144 in Brevard, along with the CarePlus C-SNPs and D-SNPs. Call us to compare them for your ZIP code.
If you’d rather go back to Original Medicare and a Supplement, we quote Medicare Supplement plans from Florida Blue, Aetna, AARP/UnitedHealthcare and HealthSpring. Learn more in our Medicare Supplement guide. Humana also offers stand-alone Part D drug plans; compare them on our Part D page.
Moving off Full Access Giveback, or from a PPO into a Gold Plus HMO, often means checking whether your doctor is in network. We’ve built relationships with several doctors’ offices around Volusia County. If you’re open to a change, we’ll help place you with a provider who takes your new plan and introduce you personally.
Other 2027 carrier guides: Florida Blue, Aetna, UnitedHealthcare, Wellcare, Health First, Freedom Health and HealthSpring (formerly Cigna) and Optimum HealthCare. For the big picture, start with our Medicare plans overview, our Part D drug plan page and our Medicare Supplement guide.
Yes. Humana Full Access Giveback (PPO) H7617-111 and H5216-393 are not offered in Volusia County for 2027. Members need to choose a new plan for January 1, 2027.
Yes. Humana Gold Plus Giveback (HMO) H1036-157 reduces your Part B premium by up to $136 a month, and Essentials Plus Giveback (PPO) H7617-126 by up to $92 a month, according to their 2027 Summaries of Benefits.
Among Humana’s 2027 Volusia plans in our table, Humana Gold Plus (HMO) H1036-044 has a $2,700 in-network out-of-pocket limit.
Yes. For 2027, Humana Value Choice, Essentials Plus Giveback and HumanaChoice Florida are PPOs offered in Volusia and Flagler.
Watch for your non-renewal letter, then compare plans before December 7. You may also have a guaranteed issue right to a Medicare Supplement. We can help at no cost to you.
Yes. We work with several local doctors’ offices and can help place you with a new provider and make a warm introduction.
Sit down with us at our South Daytona office or talk by phone. We’ll run your doctors and every prescription through the 2027 plans for your ZIP code.
This page is for general education. Plan availability, benefits, premiums, networks, drug lists and costs vary by county and plan year and can change on January 1 each year. Figures come from each plan’s 2027 Summary of Benefits and the CMS 2027 plan data; always confirm with the plan’s Evidence of Coverage. HealthBrokerFL / USA Benefits Group is an independent insurance agency and is not affiliated with, or endorsed by, Humana. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.