Is Humana Health Insurance a Scam? A Comprehensive Review

Established in 1961, Humana has become one of the leading providers of Medicare Advantage Plans nationwide.

While Humana has ceased offering individual or family plans on the Health Insurance Marketplace, it provides an extensive selection of HMO, PPO, PFFS, SNP, and standalone prescription drug plans under a Medicare contract.

Additionally, Humana offers affordable dental, vision, and group plans for employers, and assists low-income individuals in enrolling for Medicaid.

Humana’s services extend to all 50 states, Washington, D.C., and Puerto Rico, albeit not all plans are accessible in every state. It’s essential to explore your options thoroughly before selecting a Humana health insurance plan.

Is Humana health insurance a scam?
Humana faces numerous 1-star reviews alleging it’s a rip-off and doesn’t fulfill promises. Main complaints include billing disputes, prescription coverage issues, and scam emails addressed generically as “Dear Member: Image source (Healthline)

Company Overview

Company founded 1961
Coverage area All 50 states
A.M. Best rating A-
BBB rating A+
NCQA accreditation Yes
NCQA rating 4 to 2.5
Plans available
  • Employer plans
  • Family health insurance
  • Individual health insurance
  • Medicaid/Medi-Cal
  • Medicare
Provider network
    • More than 22,000 physicians and clinicians

Is Humana a Good Health Insurance Provider?

What we like about Humana health insurance plans: The drawbacks of Humana health insurance plans:
  • Affordable monthly plan premiums
  • Available in all 50 states
  • Offers an array of HMO, PPO, and PFFS plans
  • Doesn’t offer individual or family plans
  • Not all plans, products, or services are available in every state

What Do Humana Health Insurance Plans Cover?

The company offers several health insurance options, including:

  • Employer plans
  • Family health insurance
  • Individual health insurance
  • Medicaid/Medi-Cal
  • Medicare

Humana Health Insurance Plan Options

Humana is a top Medicare Advantage provider. They offer extra benefits not in Original Medicare. Plans vary by location and health needs. You can find HMO, PPO, and PFFS plans. SNPs are in over 20 states.

HMO plans have a big provider network. You pick a primary care provider. Most include drug coverage. PPO plans let you choose providers. Staying in-network saves money. Some include drug coverage.

PFFS plans let you pick any provider. Some include drug coverage. Humana offers two SNPs. One for chronic conditions in 12 states. The other for dual eligibles in 27 states. All SNPs include drug coverage.

Many plans cover vision, dental, and hearing. Costs vary by location and needs. Compare popular options in Nashville, Tennessee.

Compare Your Options For Humana Health Insurance Plans:
Plan name Monthly premium Annual deductible Office visits Annual maximum out-of-pocket cost
Humana Gold Plus HMO POS $0 None $0 primary/$30 specialist $5,900
HumanaChoice PPO $30.20 $203 $20 primary/20% specialist $6,700
Humana Gold Plus SNP-DE $0 None $0 primary/$0 specialist None

How is Humana Rated?

Trustworthy ratings and reviews provide valuable information you can use to learn how a provider’s plans compare against its competitors. Learn how we rated Humana.

OVERALL RATING: 4
Financial strength rating: 5 Customer satisfaction rating: 4.5 Value rating: 4.8 Coverage rating: 4

Financial strength: 5/5 stars

Humana’s financial strength rating is based on ratings issued by A.M. Best, a credit rating agency that specializes in the insurance industry. A.M. Best assesses the creditworthiness of insurance companies. It uses a ranking system to provide consumers, investors, and financial professionals with a qualified assessment of an insurance company’s financial health and the likelihood of it defaulting on its obligations.

As of 2020, Humana has an A-minus, or excellent, rating from A.M. Best, indicating the company has demonstrated strong operating performance and is financially stable and able to meet its obligations.

Customer satisfaction: 4.5/5 stars

Humana’s customer satisfaction considers ratings from the Better Business Bureau, National Committee for Quality Assurance, and Consumer Affairs.

Humana holds an A+ rating from the Better Business Bureau. Despite over 200 complaints in three years, 65 were resolved in the last year, showing prompt complaint handling.

According to the National Committee for Quality Assurance, Humana’s Medicare plans range from 2.5 to 4 stars, with over 30 plans receiving higher ratings.

Consumer Affairs awarded Humana 4 out of 5 stars, with 2,000+ reviews. Consumers praised its customer service, Silver Sneaker program, low deductibles, zero-dollar premiums, and extensive provider networks.

Also read: Is Friday health insurance legit?

Value: 4.8 stars

Humana earned its value rating through an assessment of its plan costs compared to other health insurance providers. This comparison examined how Humana’s monthly premium, annual deductible, costs for office and emergency room visits, and overall annual out-of-pocket maximum stacked up against its competitors.

Coverage: 4/5 stars

A plan won’t work for you if it doesn’t provide the correct type of coverage in your area and offer an extensive network to provide ample choices of health care providers. Humana’s coverage rating considers the availability of its coverages, along with its plan types and network size.

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