About Humana Coverage in Saugus
Humana operates 30 distinct plans in Saugus, MA, with a combined in-network roster of 32 doctors across 9 medical specialties. Among the five largest insurers we track in Saugus, Humana ranks #5 by provider count, the leader is Aetna with 87 in-network doctors. Use this page to confirm a specific provider is in-network, understand which Humana plans have the widest reach in Saugus, and compare coverage against other major insurers before scheduling care.
Humana sells PPO, HMO, SNP, PFFS and other plan types in Saugus. A PPO (Preferred Provider Organization) lets you see any provider without a referral; out-of-network care is covered but you pay a higher share. An HMO (Health Maintenance Organization) requires you to pick a primary-care doctor and get referrals for most specialist care, usually in exchange for lower premiums. An EPO (Exclusive Provider Organization) is in-network only, like an HMO, but skips the referral requirement. A POS (Point of Service) plan blends HMO-style in-network with PPO-style out-of-network options. Your plan name is on your member ID card.
Humana is a Medicare Advantage carrier in Saugus with 4 plans available to seniors, listed below with star ratings and premiums. Humana does not currently sell ACA marketplace plans in MA; commercial coverage shown above comes through employer groups.
Data is sourced from the federally-mandated CMS Transparency in Coverage filings that every insurer must publish monthly. Medicare Advantage plans come from the CMS MA Landscape File. Last refreshed June 28, 2026. Networks change between filings, so even when a doctor appears here we recommend calling their office with your member ID to confirm current network status before your visit.
Plan Type Mix in Saugus
Humana organizes its Saugus network into several plan types, each with different rules about which doctors you can see and what referrals you need. The bars below show the unique-provider share of the 32-doctor network that offers plans of each type.
A high PPO share means most Humana doctors in Saugus accept the insurer’s broader preferred-provider plans. these give you maximum choice and don’t require referrals to specialists. A high HMO share signals a tighter gatekeeper model: lower premiums but you usually need your primary-care doctor to refer you before a specialist will bill. EPO and POS bars sit between those two on both flexibility and cost.
Because individual doctors typically participate in multiple Humana plan types at once, these percentages don’t sum to 100%. the same provider can appear as both PPO and OAP coverage. What the chart tells you is which plan categories have meaningful depth in Saugus.
Percentages don’t sum to 100% because most doctors participate in several plan types simultaneously.
Humana Plans in Saugus
Humana contracts with doctors at the network level in Saugus. Each network below is a contract; your specific plan (printed on your member ID) maps to one of them.
Humana Family Dental PPO
PPO
16
PPO/Traditional Preferred
PPO
16
HumanaDental Network
15
Medicare PPO
PPO
11
Medicare PPO/Employer PPO Plus
PPO
11
Gold Plus HMO,Gold Plus DE SNP
SNP
10
HumanaGoldChoice Ntwk PFFS
PFFS
10
Natl Medicare HMO/SNP-Travel
HMO
10
HumanaDental Medicare
9
Florida GoldPlus Dental
9
HumanaDental Medicare Access
7
EyeMed
7
Humana Medicare Advantage Plans in Saugus
4 Humana Medicare Advantage plans available to seniors in Saugus. Each plan combines Medicare Parts A, B and usually D (prescription drugs) into one product, with star ratings and monthly premiums shown.
Star ratings (1-5) reflect overall plan quality measured by CMS. a 4-star plan generally indicates above-average member experience and care coordination. Premiums shown are the monthly cost on top of the standard Medicare Part B premium.
Source: CMS Medicare Advantage Landscape File. Star ratings reflect overall plan performance per CMS quality measures. Premiums shown are monthly Part C+D consolidated.
Top Specialties Accepting Humana
Humana’s Saugus network spans 9 distinct medical specialties. The mix reflects where the insurer has negotiated the deepest physician contracts. primary-care specialties and behavioral health tend to dominate, with surgical and sub-specialty networks typically narrower.
Click any specialty below to see a filtered list of just those in-network providers in Saugus, including ratings, locations, years of experience, and contact information. For specialties with fewer than 10 in-network providers, you’ll likely want to check nearby cities too. the section further down on this page has your geographic options.
Physician Experience in Humana’s Saugus Network
Years since medical school graduation is a reasonable proxy for experience, though it doesn’t capture fellowship training, subspecialty certifications, or years spent in specific clinical settings. For Humana’s Saugus network the breakdown below gives a quick sense of whether you’re picking from a predominantly early-career roster or one weighted toward veteran practitioners.
A network heavy on early-career doctors (0–5 years) often means lower wait times for new patients and exposure to the latest training, while veteran providers (30+ years) typically bring deeper pattern recognition for unusual presentations. A balanced distribution. roughly one-quarter in each bucket. is a healthy signal that the insurer has depth at every career stage, not just new graduates filling out its directory.
Telehealth Coverage in Saugus
1 of 32 Humana in-network providers (3%) offer telehealth visits in Saugus. Video appointments are typically covered for follow-ups, medication refills and adjustments, mental-health sessions, dermatology triage, and low-acuity primary care.
Availability and reimbursement still vary by state regulation and specific plan. Psychiatry, behavioral-health, and primary-care telehealth is near-universal at this point; procedural specialties (cardiology, orthopedics) typically offer video visits for pre-op consults and post-op follow-up but not initial diagnostic visits. Call the office with your Humana member ID to confirm your plan covers the visit type you need.
Top specialties offering telehealth in Saugus
Coverage Compared in Saugus
Side-by-side provider counts for the five largest commercial and government insurers tracked in Saugus. These numbers show raw network breadth. they don’t adjust for quality, specialty mix, or your specific plan’s tier structure, but they’re a useful first filter when choosing a carrier at open enrollment.
If Humana’s provider count looks limited for your needs, the alternatives below may fit better. Click any row to open that insurer’s Saugus provider list with the same filters, plan breakdown, and hospital affiliations that you’re seeing here.
Nearby Cities with Humana Coverage
Cities closest to Saugus where Humana has an in-network provider base of meaningful size. Useful if you’re willing to drive a short distance for a hard-to-find specialist, have two offices to choose between, or are planning a move inside the region.
The mileage figures are straight-line distances computed from average practice-address coordinates, not drive-time. Counts reflect each nearby city’s Humana network size. a small count doesn’t mean no coverage, just that your in-Saugus options are likely more plentiful.
Frequently Asked Questions
Common questions about Humana coverage in Saugus
How do I find an Humana in-network doctor in Saugus, MA?
Humana has 32 in-network providers across 9 medical specialties in Saugus. This list is compiled from federally-mandated CMS Transparency in Coverage filings, last verified June 28, 2026. Filter by specialty, plan type, gender, telehealth or experience above to narrow your search, then click any provider for full credentials and contact details. Always confirm coverage with your specific plan before scheduling.
What Humana plan types are available in Saugus?
Humana sells 6 distinct plan types in Saugus: PPO (27 doctors), HMO (12 doctors), SNP (11 doctors), PFFS (10 doctors), OAP (1 doctors). PPO plans give you the broadest provider choice without referrals; HMO plans require a primary-care referral but typically have lower premiums; EPO plans skip the referral but stay in-network only; POS plans blend HMO in-network rules with PPO out-of-network options. Choose by reading what's printed on your member ID card and matching it to one of the rows in the Plans section above.
Does Humana offer Medicare Advantage in Saugus?
Yes. Humana offers 4 Medicare Advantage plans in Saugus for 2026, with plan types including PPO. The average CMS star rating across these plans is 3.5 of 5. Medicare Advantage (Part C) bundles Parts A and B with usually Part D prescription drug coverage, often adding dental, vision, and wellness benefits. Enrollment is open during the annual election period each fall.
What's the highest-rated Humana Medicare Advantage plan in Saugus?
HumanaChoice Giveback H5216-138 (PPO) (PPO) holds Humana's top CMS star rating in Saugus at 3.5 of 5, with a $0 monthly premium. Star ratings reflect overall plan quality based on member experience, customer service, drug pricing, and clinical care measures. Plans rated 4 or higher generally indicate above-average performance.
Are there $0 premium Humana Medicare Advantage plans in Saugus?
Yes. 3 of Humana's 4 Medicare Advantage plans in Saugus carry a $0 monthly premium for 2026. Note that $0 premium plans still require you to pay the standard Medicare Part B premium each month, plus copays and deductibles when you use care. Compare each plan's MOOP (maximum out-of-pocket) limit to understand worst-case annual cost.
Which medical specialties have the most Humana providers in Saugus?
Humana's Saugus network is largest in Dentist (16), Optometry (7), Physical Therapist In Private Practice (2). Primary care, behavioral health, and physical therapy tend to dominate insurer networks because high patient volumes drive deeper provider contracts. Surgical sub-specialties typically have narrower networks. Click any specialty in the section above to see a filtered list of those in-network providers.
How does Humana compare to other insurers in Saugus?
Humana ranks #5 of 5 major insurers tracked in Saugus by provider count, with 32 doctors. Aetna leads at 87 providers. Larger network size means more provider choice but doesn't guarantee that your specific doctor is in-network with any insurer. The Coverage Compared section above shows side-by-side counts for the top five carriers in Saugus.
How do I verify a doctor is in-network with Humana?
Three steps: first match the doctor's name against this list, second call the provider's office with your member ID to confirm they currently accept your specific Humana plan, and third check Humana's own member portal for the most authoritative real-time status. Networks change between monthly federal filings; our data was last refreshed June 28, 2026.
What if my doctor isn't listed here?
This list reflects Humana's submitted network data as of the last federal filing on June 28, 2026. Doctors join and leave networks between filings, so a current in-network provider may be missing if they joined recently. Call the doctor's office to ask whether they currently accept Humana, then check Humana's own member portal for confirmation.
When was this Humana data last updated?
The Humana Saugus provider list was last refreshed June 28, 2026. Doctor and network data come from the federally-mandated CMS Transparency in Coverage filings that every insurer must publish monthly. Medicare Advantage plans come from the CMS MA Landscape File. Refresh cadence: monthly for provider data, annually for marketplace and Medicare plans.
Related healthcare resources
Patient resources for Saugus Humana members.
Common health topics
Common medications
Common procedure costs
Data freshness
Last verified June 28, 2026 · Source: CMS Transparency in Coverage federal filings · Refresh cadence: monthly