Paul Sanchez
When it comes to choosing between Humana and AARP for medical insurance, there are several factors to consider. Both companies offer Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medicare supplement plans (Medigap). Humana has received high rankings for customer experience, and provides perks such as SilverSneakers® fitness memberships and the option to add dental and vision insurance. AARP, on the other hand, has partnered with UnitedHealthcare, offering the largest Medicare Advantage network. AARP also includes fitness memberships, monetary rewards for being active, and a brain health app. Ultimately, the choice between Humana and AARP depends on individual needs, preferences, and the specific plans available in one's area.
| Characteristics | Values |
|---|---|
| Customer Experience | Humana has ranked No. 1 among health insurers for customer experience for four years in a row. |
| Medicare Advantage Plans | Both Humana and AARP offer Medicare Advantage Plans. |
| Prescription Drug Plans | Both Humana and AARP offer Prescription Drug Plans. |
| Medicare Supplement Plans | AARP offers Medicare supplement plans. Humana also offers these plans but with the added benefit of being able to view general information before entering your zip code. |
| Dental and Vision Insurance | Humana offers dental and vision insurance for an increased premium. AARP also offers dental and vision coverage with some of its Medicare Advantage plans. |
| Fitness Membership | Humana offers SilverSneakers ® fitness membership. AARP includes fitness memberships through Renew ActiveTM with its Medicare Advantage plans. |
| Monetary Rewards | AARP offers monetary rewards for being active. |
| Brain Health App | AARP offers a brain health app. |
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Customer experience
Humana has received high ratings for customer experience. For the fourth consecutive year, in 2024, Humana was ranked No. 1 among health insurers for customer experience by Forrester. The ranking was based on a customer survey of 12,372 US online consumers measuring 16 health insurers. Humana plans are widely available with above-average member experience scores and strong Part B Giveback benefits. However, star ratings are low, and only 24% of plans are rated 4 stars or higher. Customer satisfaction scores are low in several major markets, and average out-of-pocket maximums are on the high side.
AARP, on the other hand, has partnered with UnitedHealthcare, one of the largest health insurance companies in the country. UnitedHealthcare's plans are highly rated and come with extra benefits, affordable rates, good coverage, and high customer satisfaction. According to J.D. Power, customer satisfaction levels depend on where you live. In Florida, Georgia, Illinois, New York, North Carolina, and Texas, UnitedHealthcare was ranked above average for customer satisfaction. However, in California, Ohio, and Pennsylvania, it was below average.
While AARP/UnitedHealthcare offers excellent coverage, cheap rates, and good service, some customers have reported having trouble getting necessary healthcare with their Medicare Advantage plans. This has resulted in some doctors and hospitals no longer accepting these plans, which can make it harder for patients to find providers who take their insurance and may slow down or limit their medical care.
Humana also offers a range of plans with nice perks, such as SilverSneakers ® fitness memberships. Some plans include prescription drug coverage, and dental and vision insurance can be added for an increased premium. They also offer Special Needs Plans (SNPs) in some states, tailored to meet the specific needs of members.
Both Humana and AARP/UnitedHealthcare have their strengths and weaknesses when it comes to customer experience. While Humana has consistently high customer experience ratings, AARP/UnitedHealthcare's ratings vary depending on location, with some customers reporting issues with accessing necessary healthcare. Ultimately, the best choice depends on individual needs and preferences, as well as the availability of specific plans in one's area.
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Plan availability
Humana offers several types of Medicare Advantage plans, including HMO, PPO, PFFS, and SNP options. These plans may offer lower premiums compared to other alternatives, but they may have more restrictions on seeking care outside of your plan's network. Humana's plans are widely available across the United States, and they have consistently ranked highly for customer experience. To find out which specific Humana plans are available in your area, you can enter your ZIP code on their website.
AARP, in partnership with UnitedHealthcare, also offers Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medicare supplement plans (Medigap). UnitedHealthcare has the largest Medicare Advantage network, with more than 1 million providers nationwide. However, it's important to note that plan availability may vary by state. To determine the specific plans offered in your area, you will need to enter your ZIP code on the AARP website.
It's worth mentioning that both Humana and AARP plans may have certain restrictions or limitations. For example, some plans may require referrals from your primary care physician for specialist care, and the availability of specific benefits can vary. Therefore, it is essential to carefully review the details of the plans offered in your location before making a decision.
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Cost
The cost of medical insurance plans varies depending on the specific plan and the location of the user. Both Humana and AARP offer Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medicare supplement plans (Medigap).
Humana offers a range of Medicare Advantage plans, including HMO, PPO, PFFS, and SNP plans. HMO plans typically offer lower premiums but require users to stay within the plan's network for care and services. PPO plans may allow users to go out-of-network but usually offer lower costs if users stay within the network. PFFS plans allow users to pay health care providers directly, with the amount determined by the plan. SNP plans are tailored to meet specific member needs and must cover prescription drugs. Humana's Medicare Advantage plans are widely available, and 61% of their plans offer a Part B Giveback benefit, where the plan pays a portion of members' Medicare Part B premiums. However, only 24% of their plans are rated 4 stars or higher, and average out-of-pocket maximums tend to be high. Humana also provides Medicare resources and tools to help users understand costs and compare plans.
AARP, in partnership with UnitedHealthcare, offers Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medigap plans. UnitedHealthcare has the largest Medicare Advantage network, with over 1 million providers, and their plans are available in 49 states and Washington, D.C. While member experience ratings for UnitedHealthcare are average, their plans are widely available.
When considering costs, it is important to look at premiums, deductibles, copays, and coinsurance. Additionally, it is crucial to ensure that your preferred medical providers and prescriptions are covered by the plan. Both Humana and AARP allow users to enter their zip codes to view the specific plans and costs available in their areas.
It is worth noting that Medigap plans tend to be similar across insurance companies due to standardization. However, costs can vary, so it is important to pay attention to pricing and how costs are determined when choosing a company for a Medigap plan.
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Coverage
Humana offers a variety of Medicare Advantage plans, including HMO, PPO, and PFFS options. These plans often include prescription drug coverage and may offer additional benefits such as SilverSneakers® fitness memberships. Some Humana plans also allow for the addition of dental and vision insurance. Humana also provides Special Needs Plans (SNPs) in certain states, catering to specific chronic conditions or for those eligible for Medicaid. Humana has received high rankings for customer experience, with plans available across the country.
AARP, in partnership with UnitedHealthcare, provides Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medicare supplement plans (Medigap). Their Medicare Advantage plans include fitness memberships through Renew ActiveTM and monetary rewards for staying active. Some plans also offer dental and vision coverage. AARP's plans are available in 49 states and Washington, D.C., and they have the largest Medicare Advantage provider network, with over 1 million providers.
When comparing coverage, both Humana and AARP offer Medicare Advantage plans with varying benefits. Humana's plans are known for their additional perks, such as fitness memberships, and their availability across the country. On the other hand, AARP's plans stand out for their broad provider network and inclusion of dental and vision coverage in some cases.
It is important to note that the specific coverage and benefits offered by each insurer may differ based on your location. Both Humana and AARP allow individuals to enter their zip codes to view the plans and benefits available in their area.
In terms of customer experience, Humana has consistently ranked highly, receiving the highest Customer Experience Index scores among health insurers in Forrester's 2024 survey. However, AARP's partner, UnitedHealthcare, has received average member experience ratings.
Ultimately, the decision between Humana and AARP depends on individual needs and preferences. Both insurers offer a range of plans with different coverage options, and it is essential to carefully review the specifics of each plan to ensure it aligns with your unique requirements.
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Prescription drug plans
Both Humana and AARP offer prescription drug plans. Humana offers several kinds of Medicare Advantage plan structures that include perks like SilverSneakers® fitness membership. Some plans include prescription drug coverage, while some also allow dental and vision insurance to be added for an increased premium. Humana's Medicare Part D prescription drug plans feature a $2,000 maximum out-of-pocket cost. Once you reach this limit, your Part D plan will pay 100% for covered drugs for the rest of the plan year. Humana also offers the Premier RX Plan (PDP) and the Value RX Plan (PDP) Prescription Drug Plan, which includes limited lower-cost, preferred pharmacies in certain areas.
Humana's Group Medicare Part D prescription drug plans (PDPs) help retirees get the medications they need when they need them. These plans can be offered alongside any medical coverage your organization already offers. All Humana PDPs ensure retirees have at least the minimum prescription drug coverage required by the Centers for Medicare & Medicaid Services. Beyond affordable premiums, Humana's PDPs offer predictable copayments that can make it easier for retirees to budget for prescription drug costs. Some plans also have no deductible, which helps retirees save money on their prescription drugs as soon as the plan year begins.
AARP, in partnership with UnitedHealthcare, offers Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medicare supplement plans (Medigap). AARP's Medicare Part D plans help cover the cost of generic and brand-name prescription drugs and are available to members and non-members. If you're looking for more than a standalone Part D plan (PDP), AARP also offers an all-in-one Medicare Advantage Prescription Drug (MAPD) plan to combine your doctor, hospital, and prescription drug coverage. AARP's Medicare Rx Preferred from UHC (PDP) and Medicare Rx Saver from UHC (PDP) plans include limited lower-cost pharmacies in rural AK, MT, NE, ND, SD, and WY.
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Frequently asked questions
Humana offers several kinds of Medicare Advantage plan structures that include perks like SilverSneakers ® fitness membership. Some plans include prescription drug coverage. AARP, on the other hand, offers Medicare Advantage Plans, Prescription Drug Plans (PDPs), and Medicare supplement plans (Medigap). AARP also includes fitness memberships through Renew ActiveTM with its Medicare Advantage plans.
Humana plans are widely available with above-average member experience scores and strong Part B Giveback benefits. Humana also offers Special Needs Plans (SNPs) in some states. It offers an SNP for people with eligible chronic conditions and another SNP for people who are also eligible for Medicaid.
AARP offers monetary rewards for being active and a brain health app. Some AARP Medicare Advantage plans also include dental and vision coverage. AARP also gives you 2 years to try an MA plan from their supplement.
Humana's dental plan is not good. Humana does not pay for root canal or crown work. Humana's star ratings are low, and customer satisfaction scores are low in several major markets.
Some users have mentioned that they have not seen many benefits with AARP.
