Inflation Reduction Act and Medicare: Lower drug costs and expanded benefits

A child grins as she hugs her parents around their necks.

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Monthly insulin prescriptions for $35 or less

Enjoy monthly copays of no more than $35 for all Humana Part D plan-covered insulins. This benefit applies for all members in Medicare plans with prescription drug coverage. It applies no matter which drug tier it’s in, through all stages of your prescription drug benefit—even if you haven’t met your plan deductible—and it lasts throughout the plan year.

For all Humana members, view your Humana plan documents to learn more.

The Inflation Reduction Act continues to lower out-of-pocket drug costs for Medicare members with prescription drug coverage

Here’s some good news for 2025.

Your yearly Part D out-of-pocket costs will be capped at $2,000

In 2025, you won’t pay more than $2,000 out of pocket for prescriptions. That means after you meet the $2,000 threshold, you’ll pay $0 for plan-covered Part D drugs for the rest of the plan year.

Say goodbye to the Part D donut hole

Starting in 2025, the coverage gap (also known as the "donut hole") will be removed, making cost-sharing more consistent and predictable throughout the year. This change will simplify your payment structure and help reduce out-of-pocket expenses.

Protect your health with $0 copays for shingles and other vaccines

All Medicare plans with prescription drug coverage will continue to cover most Part D vaccines* at no cost to members. This applies regardless of the vaccine’s drug tier and even if your plan has a deductible you haven’t yet met.

Get help managing your prescription payments with the Medicare Prescription Payment Plan

With this program, costs for covered Part D prescription drugs are spread out over the plan year. You'll pay $0 at the pharmacy. Instead, you'll receive a monthly bill from Humana showing your total balance and the amount due each month. No interest is charged on the amount due.

While this optional program doesn't save you money or lower your drug costs, it may help you manage your prescription drugs costs over the course of your plan year.

Lower costs for eligible Part B drugs

Humana members may pay less for certain rebatable drugs covered by Medicare Part B based on a new and lower “coinsurance” amount (your share of the Rx cost after you meet your deductible). Any decrease in your out-of-pocket cost for eligible Part B drugs will be made when you pay at the pharmacy.

Here’s the current list of eligible drugs. This list will be updated every 3 months:

Part B Drug Inflation Rebates – July 2025 – English

Part B Drug Inflation Rebates – July 2025 – Spanish

Previous rebate lists:

April 2025 – English

April 2025 – Spanish

January 2025 – English

January 2025 – Spanish

October 2024 – English

October 2024 – Spanish

(Please note that these changes do not apply to Medicare Part D prescription drug coverage.)

*Applies to Humana-covered Part D vaccines listed on the Advisory Committee on Immunization Practices (ACIP) list. Restrictions based on age and vaccine availability may apply. Learn more about the Centers for Disease Control and Prevention’s (CDC) ACIP vaccine recommendations.