Health Insurance

Humana Health Insurance Review: Great Medicare Advantage Options

Editor's Rating

No individual health insurance options make Humana a good health insurance choice for a select group of people.

Good for

  • Medicare Advantage customer satisfaction
  • Financial stability
  • Member benefits

Bad for

  • Lack of individual health insurance
  • Customer service
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Editor's Rating

No individual health insurance options make Humana a good health insurance choice for a select group of people.

Good for

  • Medicare Advantage customer satisfaction
  • Financial stability
  • Member benefits

Bad for

  • Lack of individual health insurance
  • Customer service
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Humana has a breadth of products and services to offer their members including health, vision and dental insurance plans. Furthermore, the company is a top choice if you are looking for many Medicare Advantage plan options. Although Humana does provide Medicare and Medicaid, it does not currently offer individual health insurance on Obamacare health insurance marketplaces. The company overall has slightly negative reviews but actively attempts to fix issues and is financially stable.

Humana plans and options

Humana offers a variety of products and services including:

Note that Humana no longer offers individual health insurance policies. The company removed all of these health insurance plans from the state and government exchanges beginning with the 2018 enrollment period.

Group health insurance

Humana provides health insurance coverage to businesses of any size including those small businesses with less than 50 employees. Employers have a variety of policies to choose from when selecting health insurance for their employees.

Medicare and Medicaid

Medicare advantage coverage through Humana is available for purchase for individuals who already qualify for Medicare. When choosing between Humana's Medicare Advantage policies, you should take note of the provider network options. Humana has three different providers options for you to choose from:

Provider networkDetails
Humana HMOLimits your coverage to only in-network providers. Will be the cheapest options available.
Humana PPOMore flexibility for using out-of-network providers and facilities. Will be more expensive but provide wider coverage options.
Humana indemnity plansMost expensive options but you will have your choice of provider.

Medicare supplement plans A through N are offered by Humana; however, not every policy will be available in your state. To be eligible for a supplement policy, you must first be enrolled in Parts A and B and above the age of 65.

In most states, all the plans are standardized to provide the basic benefits but each may offer additional health insurance benefits. For example, Plan G will provide for Part B excess charges while Plan A will not cover such expenses.

Medicaid coverage is also available through Humana. Although Medicaid is a public health plan, some states elect to partner with private health insurance companies to provide added benefits to their enrollees. In this case, Humana offers extras such as wellness programs and over-the-counter services. However, Humana Medicaid is only available in two states: Kentucky and Florida.

Dental and vision insurance

Dental insurance through Humana is available in three tiers of coverage: Dental Savings Plus, Preventive Value, Dental Preventive Plus. Below is a summary of the costs and benefits of each of these policies:

Plan nameDeductibleAnnual maximumMonthly premium
Dental Savings PlusN/ANo annual maximum$7.99
Preventive Value$50Unlimited$17.99
Dental Preventive Plus$50$1,000$20.99

The main difference between these policies will be the provider networks. Dental Savings Plus may be the cheapest policy among Humana's offerings but will only provide discounts if you visit in-network dentists. On the other hand, Preventive Value and Preventative Plus will offer more flexibility for networks.

Vision insurance can also be purchased through Humana's website, but only one plan is offered: Vision Focus Plan. The policy has a monthly premium of $14.99 with a one-time enrollment fee of $35. Humana's vision insurance will aid you in paying for services such as routine eye exams, contact lenses and frames.

Member benefits and resources

By becoming a Humana member, you will gain access to their online MyHumana portal. This is available online through the internet but can also be accessed through the company’s app. On this platform, you have the capability to pay your premium, locate a doctor and even find additional information like a guide to drug pricing.

In addition to the MyHumana platform, the company offers all members access to the Go365 wellness program. The program allows members to save on their monthly health insurance premiums by participating in healthy activities such as workouts or eating fruits and vegetables.

Customer reviews and complaints

Humana customer reviews are slightly below average when compared with other health insurance companies. Furthermore, the biggest complaint among members is a slow customer service experience. This is all supported by Humana's National Association of Insurance Commissioners (NAIC) complaint index rating of 1.82. A rating of close to two indicates that the company receives more complaints than the average given its size.

On the other hand, Humana is an accredited business as seen by the Better Business Bureau (BBB), meaning although it has received complaints, the company does actively try to resolve outstanding issues with its policyholders.

Financially, Humana is stable and able to pay customer claims, which can be seen in their A.M. Best rating of A- (Excellent).

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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