Standalone Part D · PDP
Humana Insurance Co. & Humana Insurance Co. of NY
Plan year 2026

Humana Value Rx Plan S5884-196 (PDP)

3.0 · 2026 Star Rating · source: CMS · Ratings are updated annually
Monthly premium
$0
per month
Annual deductible
$601
Does not apply to Tiers 1 and 2
Generic copay
$0
Tier 1 preferred
Drug out-of-pocket limit
$2,100
then $0 for covered Part D drugs

Drug costsHow your drug costs work in 2026Part D uses a deductible (when applicable), initial coverage, and catastrophic coverage.

Three coverage phases during the year
  • Deductible (when it applies). The $601 deductible applies to Tiers 3, 4, and 5. Tiers 1 and 2 are not subject to it.
  • Initial coverage. After any applicable deductible, you pay the copay or coinsurance shown for your drug's tier. The amount can differ by pharmacy and supply length.
  • Catastrophic coverage. After $2,100 in qualifying out-of-pocket costs for covered Part D drugs, you pay $0 for covered Part D drugs through December 31. Premiums and drugs that are not on the plan's formulary do not count toward this limit.
Covered insulin costs no more than $35 for a month's supply, and recommended vaccines (like shingles) are $0 all year. If a big pharmacy bill would be tough to handle at once, you can spread your costs into equal monthly payments at no extra charge — ask about the Medicare Prescription Payment Plan.

Your plan's drug tiers30-day supply at a preferred network pharmacy · deductible applies to Tiers 3, 4, and 5 · covered insulin capped at $35

Tier 1
$0
Preferred Generic· deductible does not apply
Tier 2
$0
Generic· deductible does not apply
Tier 3
20%
Preferred Brand· after deductible
Tier 4
35%
Non-Preferred Drug· after deductible
Tier 5
26%
Specialty· after deductible

Plan and formulary data: CMS, 2026 plan year. Coverage, restrictions, and pharmacy costs can change; verify current details with the plan.

Your coverageCheck your coverageFrom the prescriptions and pharmacy you added

Questions? Talk to a licensed agent at1-866-764-3312 (TTY: 711)

Plan documents

Plan questions

Common questions about Humana Value Rx Plan (PDP)

What does Humana Value Rx Plan (PDP) cover?

Humana Value Rx Plan (PDP) is a standalone Medicare Part D prescription drug plan. It does not replace the hospital and medical coverage you receive through Original Medicare or another health plan. Its published drug benefit lists 5 formulary tiers. Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Check your prescriptions

How much does Humana Value Rx Plan (PDP) cost in 2026?

The published 2026 monthly plan premium for Humana Value Rx Plan (PDP) is $0. The standard Part B premium is $202.90/month in 2026 for most people; assistance may pay it for some members. The listed Part D deductible is $601. These figures are plan data, not a personal yearly-cost estimate. Pharmacy, drug tier, and coverage-phase costs can also affect what you pay.

Understand Medicare drug-cost limits

Can I use my current doctors with Humana Value Rx Plan (PDP)?

Humana Value Rx Plan (PDP) is a standalone Part D plan, so its plan record does not define a network for your medical doctors. Your doctor access comes from Original Medicare or your separate medical coverage. For this plan, confirm that your prescriptions are on the formulary and that your pharmacy participates in the plan's network, since formularies, pharmacy networks, restrictions, and costs can change.

Check prescriptions and pharmacies

What prescriptions are covered under Humana Value Rx Plan (PDP)'s formulary?

Humana Value Rx Plan (PDP) has 5 published formulary tiers in the current plan record. Published preferred-pharmacy 30-day retail costs include Tier 1 at $0, Tier 2 at $0, Tier 3 at 20%, Tier 4 at 35%, and Tier 5 at 26%. The listed Part D deductible is $601. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

How much will I pay for insulin with Humana Value Rx Plan (PDP) in 2026?

The current plan record for Humana Value Rx Plan (PDP) does not identify specific insulin products or a plan-specific insulin price. It does list 5 formulary tiers. The published Part D deductible is $601. Your insulin cost depends on whether the exact product is on the plan's current formulary, its tier, the pharmacy, and applicable Part D rules. Check the exact insulin name and dose before comparing costs or enrolling.

Check your insulin coverage

When can I enroll in Humana Value Rx Plan (PDP)?

Humana Value Rx Plan (PDP) is a 2026 Part D plan. You can generally join or switch Part D plans during the Annual Enrollment Period from October 15 through December 7, with changes taking effect January 1. If you are newly eligible for Medicare, an Initial Enrollment Period may also apply. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.

Review Medicare enrollment periods

More plan options

Browse the full 2026 Medicare Part D prescription drug plan directory.

Helpful next steps

Humana Value Rx Plan S5884-196 (PDP) — 2026 Costs & Benefits