Humana Doctors in Ludington, MI

About Humana Coverage in Ludington

Humana operates 12 distinct plans in Ludington, MI, with a combined in-network roster of 82 doctors across 22 medical specialties. Among the five largest insurers we track in Ludington, Humana ranks #4 by provider count, the leader is Aetna with 336 in-network doctors. Use this page to confirm a specific provider is in-network, understand which Humana plans have the widest reach in Ludington, and compare coverage against other major insurers before scheduling care.

Humana sells PFFS, PPO, HMO plan types in Ludington. 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 Ludington with 9 plans available to seniors, listed below with star ratings and premiums. Humana does not currently sell ACA marketplace plans in MI; 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 May 29, 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 Ludington

Humana organizes its Ludington 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 82-doctor network that offers plans of each type.

A high PPO share means most Humana doctors in Ludington 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 Ludington.

Percentages don’t sum to 100% because most doctors participate in several plan types simultaneously.

Humana Plans in Ludington

Humana contracts with doctors at the network level in Ludington. Each network below is a contract; your specific plan (printed on your member ID) maps to one of them.

Humana Medicare Advantage Plans in Ludington

9 Humana Medicare Advantage plans available to seniors in Ludington. 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 Ludington network spans 22 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 Ludington, 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 Ludington 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 Ludington 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 Ludington

10 of 82 Humana in-network providers (12%) offer telehealth visits in Ludington. 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 Hospitals Serving Humana Patients in Ludington

Hospitals with the most Humana-network physicians practicing there. Large affiliation counts indicate that Humana has a durable relationship with the facility, which typically means smoother prior-authorizations for admissions, lab work, and follow-up care coordinated under one roof.

Hospital coverage is a separate contract from physician coverage. your Humana plan may cover a doctor who admits at Hospital X but classify the hospital itself as out-of-network, leaving you with a surprise facility bill. Before scheduling anything inpatient or procedural, call both the doctor’s office and the hospital billing line with your member ID to confirm both sides are in-network for the specific plan you hold.

Coverage Compared in Ludington

Side-by-side provider counts for the five largest commercial and government insurers tracked in Ludington. 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 Ludington provider list with the same filters, plan breakdown, and hospital affiliations that you’re seeing here.

Nearby Cities with Humana Coverage

Cities closest to Ludington 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-Ludington options are likely more plentiful.

Frequently Asked Questions

Data freshness

Last verified May 29, 2026 · Source: CMS Transparency in Coverage federal filings · Refresh cadence: monthly