Orlando Harmon
Humana is a for-profit health insurance company based in Louisville, Kentucky, that offers a variety of health plans for employer groups and a limited number of plans for individuals and families. The company has received high ratings from A.M. Best and numerous other financial ratings bureaus and has been recognized for its customer experience. However, customer feedback is mixed, with some negative reviews and complaints about claim rejections and denials. Humana offers Medicare Advantage plans, which are an alternative to original Medicare, and these plans have received lower ratings compared to previous years. The company also provides dental, vision, and Medicare Supplement plans, but it does not offer individual health insurance plans outside of these categories. Overall, Humana is one of the largest health insurers in the US and is considered a good option by some, but it is important to carefully review the specific plans and their availability in your area before making a decision.
| Characteristics | Values |
|---|---|
| Customer Experience | Humana received the highest Customer Experience scores among Health Insurers in the 2024 Forrester survey of 12,372 US online consumers. |
| Plan Availability | Humana plans are available in 89% of US counties. |
| Cost | Humana's average maximum out-of-pocket limit on plans is the highest of the major providers. Humana Medicare Advantage members may be able to save on the standard Part B premium of $185 per month. |
| Ratings | Humana's plans received an average rating of 3.63 out of 5 stars from the Centers for Medicare & Medicaid Services (CMS) for 2025. Only 39% of Humana plans are rated 4 stars or higher for 2025, compared to 63% for 2024. |
| Coverage | Humana offers Medicare, dental, and vision plans for individuals, and group health, dental, and vision plans for employer groups. Humana does not offer individual health insurance plans. |
| Customer Feedback | Customer feedback is mixed and includes many negative reviews. |
| Wellness Programs | Humana offers wellness programs with its health plans. |
| Customer Service | Humana offers numerous customer service options, including phone, email, social media, mobile apps, and an online portal. |
Explore related products
What You'll Learn
Humana's Medicare Advantage plans are rated below the industry average
Humana is a Medicare Advantage organization with a Medicare contract. They offer a range of Medicare Advantage plans, including HMO, PPO, and PFFS plans. While Humana has received positive reviews for its customer experience, its Medicare Advantage plans have received mixed reviews.
In terms of ratings, Humana's Medicare Advantage plans have been rated below the industry average by the Centers for Medicare & Medicaid Services (CMS) in recent years. In particular, the CMS ratings for 2025 indicate that only 25% of Humana Advantage members are enrolled in plans with a rating of 4 stars or higher, which is a significant drop from 94% the previous year. It is worth noting that Humana has challenged the CMS rating.
There are several factors to consider when evaluating the quality of Humana's Medicare Advantage plans. One factor is the cost, which includes premiums, co-pays, and deductibles. While about two-thirds of Humana's Medicare Advantage plans have a $0 monthly premium, the standard Part B premium in 2025 is $185 per month. Humana offers a Part B giveback that can help reduce this cost for members. Additionally, co-payments for doctor visits are estimated to be around $40, but they can vary depending on the plan.
Another factor to consider is the coverage offered by Humana's Medicare Advantage plans. These plans often provide extra benefits beyond Original Medicare, such as routine eye exams, eyeglass frames, lenses, and contacts. They also set a limit on how much members will pay out of pocket each year, after which covered services are provided at no additional cost for the rest of the plan year.
It is important to note that the acceptance of Humana Medicare Advantage plans can vary among healthcare providers. Some doctors do not accept these plans, which may impact an individual's experience and access to care.
Overall, while Humana's Medicare Advantage plans offer a range of benefits and have received recognition for customer experience, their ratings by CMS have been below the industry average. Individuals considering Humana's Medicare Advantage plans should carefully review the specific details of the plans, seek guidance from professionals, and make informed decisions based on their personal needs and preferences.
Commercial Insurance Medical: Understanding the Basics
You may want to see also
Explore related products
Humana offers a Part B giveback benefit
Humana is a Medicare Advantage organisation with a Medicare contract. It is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. Humana offers a range of Medicare Advantage plans, which help expand coverage beyond Original Medicare, often with extra benefits.
The Part B giveback benefit is restricted to certain states and counties, and it is only available to people enrolled in certain Medicare Advantage plans. It is important to note that this benefit does not guarantee that all services received will be covered by your plan. To confirm that a service will be covered, you should refer to your Evidence of Coverage or contact Humana's customer service.
In addition to the Part B giveback benefit, Humana Medicare Advantage plans offer other perks and extras. For example, Humana provides over-the-counter (OTC) benefits, which are allowances given to members to purchase eligible non-prescription items. Humana Medicare Advantage also offers vision plans, which cover routine eye exams, eyeglass frames, lenses, and contacts.
Disability and Medical Insurance: What's the Connection?
You may want to see also
Explore related products
Humana's customer experience ratings
Customer reviews of Humana are mixed. While Humana has received the highest Customer Experience Index scores among health insurers in Forrester's 2022 and 2024 US Customer Experience surveys, other sources indicate that customers are generally dissatisfied with the service.
On the one hand, Humana offers perks and extras, such as over-the-counter (OTC) benefits, which provide members with an allowance for eligible non-prescription items, and vision plans that cover routine eye exams and eyeglasses. Additionally, Humana Medicare Advantage members may be able to reduce their monthly Part B premium, which is the amount paid each month to retain an insurance policy.
On the other hand, some customers have reported issues with Humana's customer service, with representatives being described as incompetent, poorly trained, and difficult to communicate with. There have also been complaints about Humana's coverage, with some people claiming that the company denied or failed to pay for certain medical procedures and medications.
It is worth noting that the CMS ratings, which are used to evaluate Medicare Advantage plans and prescription drug plans, gave Humana a low rating this year, with only 25% of Humana Advantage members enrolled in plans with a rating of 4 stars or higher, a significant drop from 94% the previous year.
Overall, while Humana has received recognition for its customer experience in some surveys, there are also a significant number of negative reviews and ratings from customers who have had negative experiences with the company's service, coverage, and customer support.
Medical Insurance and Acupuncture: What's Covered?
You may want to see also
Explore related products
Humana's individual and group health and wellness plans
Humana is a healthcare company based in Louisville, Kentucky, and is the third-largest healthcare company in the US, serving over 13 million customers. Humana's product offerings include various types of plans, including HMO, PPO, POS, and EPO. The company has been in business since 1961 and has a network of over 350,000 medical providers and more than 3,000 hospitals.
Humana offers a wide range of individual insurance products, including health, dental, and vision plans. These plans are available in several states, including Alabama, Arizona, Florida, Georgia, Kentucky, Louisiana, Michigan, Mississippi, North Carolina, Tennessee, Texas, Utah, and Virginia. Humana also provides life and supplemental insurance plans.
In addition to its individual plans, Humana offers group health and wellness plans. These include group dental and vision plans, which are typically insured or offered through an employer. Humana group medical plans are provided by various subsidiaries, such as Humana Medical Plan, Inc. and Humana Employers Health Plan of Georgia, Inc.
Humana Medicare Advantage is an alternative to original Medicare, where benefits are administered through insurers rather than directly from the government. This plan offers perks such as over-the-counter (OTC) allowances, vision coverage, and prescription drug plans. However, it's important to note that Humana Medicare Advantage has received mixed reviews, with some customers expressing dissatisfaction with the approval process for certain medical procedures and the portion of costs covered by Humana.
Humana ranks highly in customer experience, receiving the highest Customer Experience Index scores among health insurers in Forrester's 2024 US Customer Experience Index rankings. This ranking was based on a survey of 12,372 US consumers. However, it's always advisable to consult a professional, such as a qualified broker or insurance agent, before selecting any Medicare plan, including those offered by Humana.
How to Cancel Your Medical Insurance at Work?
You may want to see also
Explore related products
Humana's high-deductible health plan with an adjacent Health Savings Account (HSA)
Humana is a Medicare Advantage organisation with a Medicare contract. It also has a contract with the state Medicaid program. According to the CMS ratings, only 25% of Humana Advantage members are enrolled in plans with a rating of 4 stars or higher. However, Humana has received the highest Customer Experience Index scores among health insurers in the Forrester 2024 US Customer Experience Index rankings.
Humana offers a high-deductible health plan (HDHP) with an adjacent Health Savings Account (HSA). An HSA is only available with an HDHP and has a minimum deductible of $1,400 for an individual or $2,800 for a family coverage. HSAs enable employees to use pre-tax dollars to pay for their out-of-pocket medical expenses and save for retirement. This means that employees or employers can contribute tax-free funds to help pay for qualified healthcare expenses. HSAs are also flexible, allowing employees to use the funds for any purpose once they turn 65.
The main benefit of pairing an HDHP with an HSA is that it can help cover some of the deductible costs while still paying less in premiums. This makes it a cost-effective means of providing employee health insurance. Employers can also contribute to employees' HSAs, making it easier for workers to afford care and showing that the company values their health.
However, it is important to note that HSAs may have account fees, and the interest may be lower compared to other investment accounts. Additionally, unspent HSA funds must be used for qualified medical expenses or they will count as income when filing taxes.
Medical Gap Insurance: Worth the Cost?
You may want to see also
Frequently asked questions
Humana is a for-profit health insurance company based in Louisville, Kentucky. It is one of the largest health insurers in the U.S. and offers a range of health insurance plans, including Medicare, dental, and vision.
Humana offers numerous health insurance plans and related products, including Medicare Advantage plans, Medicare Supplement plans, and prescription drug plans. The company has received high ratings from A.M. Best and other financial ratings bureaus, and it provides excellent customer service through various channels. Additionally, Humana offers wellness programs and resources through its website and mobile apps.
Humana does not offer individual health insurance plans, except for Medicare, dental, and vision. The company has received negative customer feedback, with some complaints about claim rejections and denials. Humana's star ratings and member experience scores have also declined in recent years.
The cost of Humana's insurance plans can vary depending on factors such as location and the type of plan chosen. Humana's Medicare Advantage plans may have a monthly premium, which is the amount paid to retain the insurance policy. Additionally, there may be co-pays and deductibles associated with the plan.
It's important to consider your specific needs and budget when choosing a health insurance plan. Humana offers a wide range of plans, so it's likely that you can find one that suits your requirements. However, it's always a good idea to compare plans from different providers and seek guidance from a qualified broker or insurance agent specializing in Medicare.
