Humana Health Insurance Review

Health insurance is a vital component of our well-being, providing financial security and access to quality healthcare. In this review, we’ll delve into the offerings of Humana Health Insurance, a prominent player in the insurance industry.

What is Humana Health Insurance

Humana Health Insurance

Founded in 1961, Humana has emerged as a prominent provider of Medicare Advantage Plans on a national scale. While it no longer participates in offering individual or family plans through the Health Insurance Marketplace, Humana continues to present a comprehensive array of health insurance options. These include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), and Special Needs Plans (SNP), along with stand-alone prescription drug plans, all delivered through a Medicare contract.

In addition to its diverse Medicare offerings, Humana extends its commitment to comprehensive health coverage by providing a spectrum of affordable dental, vision, and employer-based group plans. Furthermore, the company actively assists low-income individuals in enrolling for Medicaid, emphasizing a dedication to enhancing healthcare accessibility for all.

Humana’s reach spans across all 50 states, Washington, D.C., and Puerto Rico, positioning itself as a nationwide health insurance provider. However, it’s important to note that not every plan offered by Humana is available in every state. Prospective beneficiaries are encouraged to delve into the details of available options, ensuring an informed decision when selecting a Humana health insurance plan that aligns with their specific needs and preferences.

What Do Humana Health Insurance Plans Cover?

The Humana offers several health insurance options, including:

  1. Employer plans
  2. Individual health insurance
  3. Medicaid/Medi-Cal
  4. Medicare
  5. Family health insurance

Humana Medicare Advantage plan types

Humana presents a diverse array of Medicare Advantage plans, each distinguished by its unique structure, associated costs, and a spectrum of available benefits. The offerings encompass a wide range, providing comprehensive coverage that goes beyond basic Medicare provisions. Notably, many of these plans incorporate dental and vision benefits, ensuring a holistic approach to healthcare. Additionally, features such as worldwide emergency care and fitness benefits through programs like SilverSneakers contribute to the overall wellness support provided by Humana’s plans.

The portfolio of Humana’s Medicare Advantage plans is multifaceted, accommodating various preferences and needs. Among the offerings are Medicare Advantage prescription drug plans (MAPDs), which integrate drug coverage seamlessly. Alternatively, individuals can opt for stand-alone prescription drug plans for a more tailored approach to pharmaceutical needs. Moreover, Humana extends the flexibility of Medicare Advantage plans without drug coverage, allowing individuals to customize their healthcare plans based on specific requirements.

One noteworthy collaboration within Humana’s plan offerings is the partnership with USAA, resulting in the creation of the Humana USAA Honor with Rx plan. This plan, a part of the Humana Honor family, is expressly designed for U.S. military veterans, reflecting a commitment to meet the unique healthcare needs of this demographic.

The breadth of Humana’s plan selection is further delineated by distinct categories, enhancing the granularity of choices available to beneficiaries. As part of their commitment to catering to diverse healthcare needs, Humana provides a comprehensive suite of plans, ensuring that individuals can align their coverage with their specific health priorities.

In addition to the previously mentioned plan options, Humana extends its diverse array of offerings to include the following plan types, each characterized by specific features and considerations:

1. HMO Plans (Health Maintenance Organization)     

 HMO plans within the realm of Medicare typically mandate the utilization of a designated network of doctors and hospitals. Seeking the services of a specialist often requires a referral from the primary doctor, and the scope of out-of-network benefits is typically limited.

2. PPO Plans (Preferred Provider Organization):

PPO plans under Medicare offer unparalleled flexibility, granting individuals the freedom to consult any healthcare provider that accepts the insurance. The necessity of selecting a primary doctor is often eliminated, and referrals are not mandatory for specialist visits. While out-of-network care is an option, it may incur higher costs compared to in-network services.

3. PFFS Plans (Private Fee-for-Service):

Humana’s Private Fee-for-Service (PFFS) plans provide a unique level of flexibility, permitting individuals to consult any Medicare-approved provider who accepts the specific Humana plan. The obligation to choose a primary doctor is waived, and referrals are not a prerequisite for specialist consultations.

4. SNPs (Special Needs Plans):

Special Needs Plans (SNPs) cater specifically to individuals with particular diseases or characteristics, tailoring benefits, networks, and drug formularies to meet the specific needs of this demographic. Humana’s SNP offerings include:

  1.  Chronic Condition SNP: Tailored for individuals dealing with one or more chronic conditions such as diabetes mellitus, cardiovascular disorders, chronic heart failure, or chronic lung disorders.
  2. Dual-Eligible SNP: Designed for individual’s eligible for Medicare who also qualify for assistance from a state Medicaid program.

Humana’s commitment to offering a varied selection of plans ensures that individuals can align their healthcare coverage with their unique health requirements and preferences.

How Does Humana Medicare Advantage Work?

As communicated by a representative from Humana’s customer service, the structure of Humana’s networks is regionally oriented. Each distinct plan within their offerings is associated with a specific set of healthcare providers, specialists, and pharmacists.

The selection of available plans is contingent upon the geographical location, encompassing options such as Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Special Needs Plans (SNPs), and Private Fee-for-Service (PFFS) plans.

In the case of Private Fee-for-Service (PFFS) plans, individuals have the flexibility to collaborate with any Medicare-approved provider who consents to the terms and conditions stipulated by the plan.

Humana’s HMO plans empower individuals to designate a primary care physician from the Humana provider network. Notably, there is no obligatory commitment to a single provider, allowing members to switch as deemed necessary. Most HMO plans from Humana incorporate prescription coverage, and unique benefits such as hearing, vision, and dental coverage, which go beyond the scope of traditional Medicare.

PPO plans, characterized by greater flexibility in selecting healthcare providers, are recommended for those with specific specialists or a preferred primary care physician.

Special Needs Plans (SNPs) from Humana are specifically tailored for individuals who:

  • Live with chronic health conditions
  • Are dually eligible for both Medicare and Medicaid
  • Reside in long-term care facilities

Humana offers two specific types of SNP plans: Chronic Condition Special Needs Plans and Dual-Eligible Special Needs Plans. As of now, these plans are accessible in just under 30 U.S. states.

Plan availability is contingent upon the ZIP code of the individual. For instance, in the Boston area (ZIP code 02108), Humana provides seven Medicare Advantage plans, while in Hillsborough County, Florida (ZIP code 33647), there are 16 plans on offer. Some ZIP codes may not have access to any Humana Medicare Advantage plans.

The larger states are typically divided into four or five sections, with Humana working to establish contracts with a diverse array of healthcare providers within each section. Humana’s website facilitates the exploration of plans based on providers considered “in network.”

It is important to note that each Humana Medicare Advantage plan includes dental, vision, and hearing benefits, providing comprehensive coverage beyond the basic Medicare offerings. Other benefits often offered by these plans include:

  • Insulin savings programs
  • Over-the-counter allowances
  • SilverSneakers fitness programs
  • Meal delivery services
  • Healthy foods card, which allots a monthly allowance for approved foods at participating stores
  • Part B giveback, in which the plan carrier covers some or all of your Part B monthly premium
  • Transportation assistance
  • Wigs (for chemotherapy patients)

Advantages and Challenges of Humana insurance


  1. High Customer Satisfaction Ratings: Medicare Advantage plans consistently receive commendable reviews for customer satisfaction, reflecting a positive experience among beneficiaries. The emphasis on customer contentment underscores the effectiveness of these plans in meeting the diverse healthcare needs of individuals.
  2. Abundant Availability and Diverse Options: Medicare Advantage plans boast widespread availability, providing individuals with a plethora of choices to cater to their unique healthcare preferences. This extensive range of options ensures that beneficiaries can select a plan that aligns closely with their specific requirements and preferences.
  3. Cost-Effective, High-Deductible Plan G: A noteworthy advantage is the availability of the low-cost, high-deductible Plan G within the Medicare Advantage framework. This option allows individuals to access comprehensive coverage while maintaining affordability, contributing to the overall appeal of Medicare Advantage plans.
  4. High Medicare Star Ratings: Medicare Advantage plans consistently earn high star ratings, indicative of their quality and performance. The elevated ratings serve as a testament to the plans’ commitment to delivering reliable and effective healthcare coverage, instilling confidence among beneficiaries.

Challenges and Considerations in Medicare Advantage Plans

  1. Limited Additional Coverage in the Coverage Gap: One noteworthy consideration regarding Medicare Advantage plans is the relatively constrained availability of additional coverage options during the coverage gap. Beneficiaries may find that there are fewer plans within the Medicare Advantage framework offering extended coverage during this specific phase. This limitation could potentially impact individuals seeking more comprehensive benefits, especially when navigating healthcare costs during the coverage gap.
  2. Elevated Drug Deductibles on Medicare Advantage Plans: Another aspect to be mindful of is the presence of high drug deductibles within Medicare Advantage plans. While these plans offer a spectrum of healthcare benefits, including prescription drug coverage, the higher deductibles associated with medications may pose a financial consideration for beneficiaries. Understanding the implications of these elevated drug deductibles is crucial for individuals assessing the overall cost-effectiveness and suitability of Medicare Advantage plans based on their unique healthcare needs and budget considerations.

What Experts Say About Humana Medicare Advantage Plans

John Freitag, an independent insurance broker at the esteemed Freitag Family Agency in Pennsylvania, shares his valuable insights on Humana Medicare Advantage plans. Drawing from his extensive experience, Freitag notes that individuals with Humana coverage generally express satisfaction and exhibit a strong inclination to retain their plans.

One key advantage of Humana Medicare Advantage plans, as highlighted by Freitag, is their ability to address costs that traditional Medicare parts A and B may not cover comprehensively. Medicare alone covers only 80% of healthcare costs, leaving beneficiaries susceptible to significant bills without an upper limit. In contrast, Medicare Advantage plans set a “maximum out-of-pocket” cap, defining the most an individual would need to pay out of pocket throughout the plan year. Moreover, many of these plans extend their coverage to include not only prescription drugs but also vision, dental, and hearing benefits.

 Freitag particularly emphasizes Humana’s prowess in providing noteworthy prescription benefits, especially for medications that may be challenging to cover through other plans. This underscores Humana’s commitment to comprehensive healthcare coverage, ensuring that members receive the necessary support for their unique healthcare needs.

It’s important to note that HealthCompare Insurance Services, while representing 18 organizations offering a diverse range of 52,101 products, does not cover every plan available in your area. For a comprehensive understanding of all available options, individuals are encouraged to reach out to, 1-800-MEDICARE, or their local State Health Insurance Program (SHIP).

HealthCompare Insurance Services specializes in representing Medicare Advantage HMO, PPO, and PFFS organizations, as well as stand-alone PDP prescription drug plans contracted with Medicare. Enrollment is contingent on the plan’s contract renewal, emphasizing the need for individuals to stay informed about their specific plan details.

Member Support and Resources

Support for Members and Valuable Resources

In the realm of the insurance industry, the significance of customer service quality cannot be overstated. At Humana, our commitment is to deliver nothing short of exceptional support to our members. However, it is important to acknowledge that individual experiences may differ. The bedrock of positive interactions lies in our dedication to providing timely responses and ensuring clear communication with our valued members.

Educational Empowerment for Members

At Humana, our role transcends that of a mere insurance provider; we strive to be a beacon of educational support for our members. Our extensive array of educational resources is designed to empower members with knowledge on a multitude of health topics. This empowerment, in turn, enables them to make well-informed decisions regarding their overall well-being. By offering these valuable resources, we aim to foster a sense of informed agency among our members, ensuring their journey towards health and wellness is guided by knowledge and understanding.


Summarizing the comprehensive review, Humana Health Insurance emerges as a provider that combines extensive coverage with a proactive approach to well-being. While considerations like premium costs and regional availability exist, the overall value lies in the holistic healthcare experience offered by Humana.

Frequently Asked Questions (FAQ’s)

How do I choose the right Humana Health Insurance plan?

Choosing the right plan involves assessing your healthcare needs, budget, and preferences. Humana provides tools and resources to help individuals make informed decisions.

Can I customize my coverage with Humana?

Yes, Humana offers customizable plans to cater to individual needs. You can choose the level of coverage, add-ons, and wellness programs that align with your health goals.

Is Humana a good choice for individuals with chronic conditions?

Humana’s approach to preventive care and coverage for pre-existing conditions makes it a viable option for individuals with chronic conditions. Reviewing specific plan details is crucial.

What is the process for filing a claim with Humana?

Filing a claim with Humana is typically done online through the member portal. The process involves providing necessary documentation, and the platform guides you through each step.

Are there any hidden costs associated with Humana Health Insurance?

Humana is transparent about its costs, but individuals should carefully review plan details to ensure they understand all aspects of coverage, including potential out-of-pocket expenses.