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Committee recommends staying with Humana Medicare Advantage at quoted rate after market search
Summary
USI presented market quotes and recommended continuing the district’s current Humana Medicare Advantage plan; after hearing retiree satisfaction surveys and cost-share concerns, the committee instructed staff to prepare an agenda item recommending renewal with Humana at the 13.55% rate.
USI representatives presented the district’s Medicare Advantage renewal options and market search results. Carriers that quoted included Humana (the current carrier), UnitedHealthcare and a declined quote from Aetna. USI said most benefits are governed by CMS rules and that the 2026 prescription-drug out-of-pocket maximum will be $2,100 (up from $2,000 in 2025). Humana’s initial renewal request of 16.3% was appealed to 15.3% and, after market comparisons, Humana’s final rate came in at 13.55%.
A USI presenter summarized plan differences and out-of-pocket design tradeoffs; board members and staff discussed retirees’ sensitivity to prescription costs. "Our retirees have been very happy with the current services that they're receiving from Humana Medicare Advantage," staff said, citing a recent retiree survey that praised hearing-aid, vision and dental benefits. Board members raised that adding a $500 annual prescription deductible (an alternate Humana proposal) would affect many retirees on Tier 2–4 drugs and likely generate complaints.
After back-and-forth about whether to change carriers or add a deductible, administration said the committee’s recommendation would be to remain with Humana under the current benefit design and bring the renewal to the full board with the 13.55% increase reflected in the agenda item.
