Humana Insurance Reviews 2022

An Ideal Health Insurance Partner for You? | ⭐️⭐️⭐️⭐️ 

TLTR: Humana Insurance Review by Agency Height will help you understand the Humana Insurance health policies, pharmacy products, and different consumer ratings so you can make a better decision before you subscribe to any of their health services.

Humana Insurance Reviews – Is it the Right Health Insurance for You?

Humana Insurance is examined in-depth in this article. We look at the coverage they provide as well as their customer service. We also consider the benefits and drawbacks, as well as consumer feedback. You’ll have a good idea of whether Humana insurance is suited for you by the end of this article!  

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In this blog

About Humana Insurance

Humana Insurance Business, also known as HMO Indiana, Inc., is a health insurance company based in Louisville, Kentucky, U.S. that offers coverage to individuals and families.

Individual and family health insurance plans, Medicare advantage plans, and prescription medication plans are among the services provided by the organization. In 2021, the company ranked 41 on the Fortune 500 list, which made it the highest ranked company based in Kentucky. 

Image: Humana Insurance

Pros and Cons of Humana Insurance  

Pros Cons
  • Easy access to information with Medicare Plan Finder Tool 
  • Free Medicare Decision Guide 
  • Get coverage option even when travelling out of United States 
  • Online chat features are available 
  • Cancellation of claims, no timely refund 
  • $0 premiums plans are not applicable in all areas
  • SPN (Special Needed Plans) only available in selected states 
Humana Insurance Reviews

Source: Humana Insurance Statistics

Humana Insurance Service

Humana Insurance assists millions of its medical and specialized members in attaining optimal health. They’ve amassed a successful track record in care delivery and health-plan administration. It’s helped them in developing a new integrated care plan that can potentially improve health and well-being at lower costs. This demonstrates that Humana’s initiatives enhance the quality of life for Medicare beneficiaries, their families, individuals, military service members, and communities.  

You can choose from affordable coverages, such as Humana Medicare PPO Plan, Humana Medicare HMO Plan, Humana Dental Plan and Humana Vision Plan. With the inclusive Humana Gold Plus plan, you can have PCP benefits as well.  

Humana and its members actively support physicians and health care professionals to provide proper treatment at the right places for patients and members. They offer several clinical facilities, including in-home care, behavioral health, pharmacy services and other clinical resources, tools, and capabilities.  

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Image: Humana Insurance

A Sampling of Customers’ Reviews

Date  Reviews  Ratings 
Jan22,2022  We moved to Sebring, Florida, six years ago and enrolled Humana Gold Plus HMO. They also provide non-deductible options for a variety of other things, as well as dental, vision, and hearing insurance. Humana has regularly covered all but a few more thousand dollars, and we received extra assistance from the hospital.  ⭐⭐⭐⭐ 
Jan7,2022  Humana Gold Plus has been a part of my life for the past two years. I used to have a lot of different insurances when I worked for the same employer. Humana Gold Plus appears to be on an equal level with the others I’ve tried.  ⭐⭐⭐⭐ 
Feb19,2022  On February 3, 2022, Humana denied my mother’s COVID claim because her symptoms were not severe enough. Despite the fact that the employee’s reaction appeared favorable, the claim was dismissed.  ⭐⭐ 
Dec21,2021  Humana Insurance provides me with healthcare coverage, and I’ve always had a positive experience working with them. My questions are always answered clearly and promptly. They assisted me in locating the best Medicare insurance options for my medical needs.  ⭐⭐⭐⭐ 
Jan20,2022  Most of the Medicare Advantage plan of Humana is suitable for all the patients. I have been a part of Humana Medicare Plan since 2017 and till now no complaints. I am happy that my concerns are well addressed by the people at Humana.  ⭐⭐⭐⭐⭐ 



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What Plans Are Available at Humana?

Specific plans are available depending upon the state in which you live. 

Humana Medicare PPO Plan: 

Preferred Provider Organization (PPO) plan is an excellent choice for anyone seeking affordable and high-quality health care coverage. You’ll get access to a large network of doctors and hospitals, and your out-of-pocket costs will be lower. Plus, you don’t need a referral to see any doctor that accepts Medicare. PPO allows you to see any doctor you want, whether they’re in or out of your network.  

Humana Medicare HMO Plan:  

Humana is a well-known Medicare health maintenance organization (HMO) plan provider. Also known as Humana Gold Plus, it offers routine checkups and preventative care, hospitalization, and prescription medicines, along with a primary care physician (PCP). The PCP gives you referrals to specialists and other providers as needed. The plan includes little or no monthly payments, and most preventative care is free.  

Medicare Plan Benefits: 

  • Affordable Premiums 
  • Affordable Deductibles 
  • Potential Part B Premiums Savings 
  • Over the Counter (OTC) Allowance 
  • Security of an Annual Maximum Out of Pocket Cost 

    Humana Dental Plan:  

    This plan covers many of the most common dental procedures and dental policies. It also provides unique perks, such as Invisalign and other covered orthodontic operations. Humana Dental Plan also caters to different budgets.  

    Different Dentals Plans 

    Complete Dentals  Loyalty Plus  Preventive Value 
    Affordable Coverage Rate starting at $44/month  Member Benefits Plan starting at $28/month  Budget Friendly Care starting at $18/month 

     Humana Vision Plan: 

    Humana’s vision plan offers the care you need to maintain healthy eyesight. Eligible members can access various comprehensive and routine eye care services. It also includes preventive care, diagnosis and treatment of common visual issues, and other benefits.  

    Other Specific Plans Include: 

    Private Free for service (PFFS) 

    As long as they agree to Humana’s PFFS payment terms and conditions, you can see any Medicare-approved provider under your Humana PFFS plan. Preventative screenings are included in most policies, as are prescription drug benefits. This plan also provides coverage for both in- and out-of-country hospitalization and emergency care. 

    Special Need Plan (SNP) 

    SNPs are Medicare Advantage plans that Humana offers, which include all of the benefits of Medicare Parts A & B as well as coverage for prescription drugs. SNPs are available to beneficiaries who meet certain conditions, such as chronic health issues, being eligible for both Medicare and Medicaid, or being a patient in long-term treatment facilities.

    Third Party Insurance Reviews 

    Humana Insurance stands as the second-largest provider of Medicare Advantage plans, with most people acquiring such benefits. The vast majority of its Medicare Advantage clients are enrolled in high-quality plans with a four-star rating or above from the Centers for Medicare & Medicaid Services (CMS). Many of the plans include some enticing benefits. 

    Reviewer  Rating  Remarks 
    JD Power  822  Humana receives 822 out of 1000 in JD power rating (2021). It stands at 4th out of the top 9 Medicare providers. It was based on the member satisfaction on Medicare advantage plans. 

    National Association of Insurance Commissioners (NAIC) 


     1.26  The NAIC rates complaints about Humana Insurance as 1.26 out of 1.0, which is slightly higher than average. This implies that Humana received more complaints than the average insurance company.  
    National Committee for Quality Assurance (NCQA)  2.5   Based on medical care quality and customer happiness, half of Humana’s plans were rated 4 while the other half were rated 3.5. 
    AM Best  A-  Humana’s financial strength and ability to satisfy its insurance obligations have been rated excellent. 

    What We Rate Humana Insurance? 


    A majority of customers have given Humana a positive review. Agency Height gives Humana a 4-out of-5 stars. The wide range of plan options and customizable coverages are praiseworthy. Reviewers also note that the company’s customer care is responsive and helpful. There have been complaints about claims processing, with many saying the company could be more open about its prices. Overall, Humana is an excellent option for anyone looking for insurance solutions. If you need to learn more, make sure to compare with other carriers in the market to make a better judgement. 

    Frequently Asked Questions

    Does Humana cover out of state?

    Humana does not cover any health-related services at this time. It’s possible, though, that Medicare may cover inpatient hospital fees or ambulance services if you need emergency care while in the United States and your nearest hospital is located in another nation (such as Canada or Mexico). 

    Is Humana only Medicare?

    Humana is a private insurance company that contracts with Medicare to provide benefits to plan members. 

    Can you have Medicare and Humana at the same time?

    Medicare beneficiaries can obtain coverage from the federal government or from a private health insurance company such as Humana. Every Medicare plan, like Medicaid, is obliged by law to provide the same basic benefits. 

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    Contact a local agent online to help you with your insurance needs.

    Agency Height is an online directory and publication platform. We’re dedicated to helping people find the right insurance by bridging the gap between agents and insureds. Our publications are the go-to guide for all things insurance. From blogs and articles that help professionals grow their business to data analysis on trends in our industry, you will surely find what you’re looking for! 

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