Kettering Health announced today that its contract with private Medicare Advantage insurers Humana, Inc. and Devoted Health, Inc. will not be renewed after December 31, 2025. This decision follows an extensive review of payer policies and administrative practices, which included significant issues with denials, reduced or non-payment, and created a significant operational burden on Kettering Health.  

Since May 2025, Kettering Health has attempted to address these challenges with Humana and Devoted, including formal discussions regarding contract renewal and opportunities for change. Despite these efforts, we were not able to reach an agreement that aligned with our values and our commitment to patient care.  

As part of this change, Kettering Health is committed to supporting patients through the transition. During the Annual Coordinated Election Period (AEP) from October 15, 2025, through December 7, 2025, patients will be able to switch plans, leave their current plans, or sign up for new coverage to maintain in-network access to our care. These changes will take effect on January 1, 2026.  

Additionally, during the Medicare Advantage Open Enrollment Period (MA OEP) from January 1, 2026, through March 31, 2026, patients currently enrolled in a Medicare Advantage plan will be able to switch plans or leave their current plan. Changes made during this period will take effect the month after enrollment.  

Kettering Health has collaborated with RetireMed, a trusted local Medicare advisory group, to help patients explore their options and transition to coverage that may better align with their care needs. RetireMed will provide free, personalized guidance throughout the enrollment periods.  

Kettering Health will be issuing letters to affected Medicare Advantage patients, providing resources to help patients explore their options and transition to coverage that may better align with their care needs.