Are you looking for a great Medicare Advantage plan? If so, you should consider Humana. They are one of the largest health insurance providers in the United States. They offer a variety of Medicare Advantage plans that are sure to meet your needs. In this blog post, we will review the different types of Humana health plans available. Also we will cover some of the benefits that come with them. We will also compare Humana to other popular Medicare Advantage providers. This can help you decide if they are the right choice for you!
Humana takes pride in its Medicare Advantage (MA) plans, as the comprehensive coverage options provided by the company have garnered high ratings. In fact, an impressive 94% of Humana’s MA members for the year 2024 are enrolled in plans that have received ratings of 4 out of 5 stars or higher from the Centers for Medicare and Medicaid (CMS). This indicates that the majority of Humana’s plan offerings excel in meeting the quality benchmarks set by CMS, giving confidence to members that they are receiving top-notch healthcare options.
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. This rating indicates that the company receives more complaints than the average given its size.
On the other hand, Humana is an accredited business with the Better Business Bureau (BBB). This means 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 its AM Best rating of A- (Excellent).
Benefits and Resources
By becoming a Humana member, you will gain access to the online MyHumana portal. This is available online and can also be accessed through the company’s app. On this platform, you can 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.
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.
Supplemental Plans
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
Dental insurance through Humana is available in three tiers of coverage: Dental Savings Plus, Preventive Value, and Dental Preventive Plus.
Humana’s Most Popular Plan
The most popular Humana health plan is the Medicare Advantage Plan. As of 2023, over five million people were enrolled in a Humana Medicare Advantage Plan. The company offers a variety of HMO and PPO plans with different premium costs and benefit levels. For example, some plans offer $0 monthly premiums while others have annual deductibles as high as $6700.
Choosing the right Medicare Advantage Plan can be difficult, but luckily Humana offers a wide variety of options to choose from based on your needs and budget.
Why Choose Humana?
If you are looking for an insurance company that offers a wide range of plans and services, then Humana may be a good option for you. The company has a long history of providing quality health insurance products and services. In addition, Humana has an excellent financial rating and offers its members access to valuable resources such as the MyHumana platform and Go365 wellness program.
While Humana does have some complaints filed against it, the company is accredited by the Better Business Bureau and has a rating of A+. Overall, Humana is a reliable and trusted health insurance company that offers its members a wide range of benefits.
If you are considering enrolling in a Humana health plan, be sure to shop around and compare different policy options to find the best fit for you. You can also contact a licensed insurance agent to help you understand your options and choose the right plan for your needs.