Humana Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Humana's Final Score
3 Stars
Humana began as a nursing home company in 1961. Today, Humana Health Insurance Company is headquartered in Louisville, Kentucky, and is one of the largest health care insurers in the United States. It provides insurance for millions of people, with annual revenue in the tens of billions of dollars.
Humana sells health insurance and related products in all 50 states, the District of Columbia, and Puerto Rico. The company has an “A" (Excellent) rating from AM Best.
You can purchase a Humana health insurance policy from local agents who represent Humana. The company offers HMOs, PPOs, and traditional indemnity plans. Employers can also purchase a high-deductible health plan with an adjacent Health Savings Account (HSA).
Humana also offers coverage for Medicare recipients, including Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D Prescription Drug Plans.
We award Humana 3.0 out of 5.0 stars. Humana is one of the largest health insurers in the U.S. and is highly rated by AM Best. The company offers a variety of health plans for employer groups, and a limited number of plans (Medicare supplements, dental plans, vision plans) for individuals and families.
Members are given access to a variety of health and wellness resources through the carrier’s website and mobile apps. The company also offers an extensive range of customer service options, from phone and email to an online portal, online general questions, a mobile app, and even Twitter (now known as "X") Q&A sessions.
Plan types that Humana offers include HMO, PPO, and traditional indemnity plans, and employer groups can also purchase high-deductible health plans with an HSA. There is something to fit the needs of most employer groups.
Humana markets its products through independent insurance agents and dedicated company representatives. We recommend considering Humana along with other health insurance companies that may interest you.
Key Takeaways
- Humana Health Insurance Company is one of the largest health care insurers in the United States.
- The company offers HMOs, PPOs, and traditional indemnity plans. Employers can also purchase a high-deductible health plan with an adjacent Health Savings Account (HSA).
- Humana also offers coverage for Medicare recipients, including Medicare Advantage plans, Medicare Supplement plans, and Medicare Part D Prescription Drug Plans.
- Members are given access to a variety of health and wellness resources through the carrier’s website and mobile apps.
- The company offers an extensive amount of customer service options, from phone and email to an online portal, online general questions, a mobile app, and even Twitter Q&A sessions.
Humana Pros and Cons
We found that Humana has several pros and cons that may help you evaluate whether it's the right health insurance carrier for your needs.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Humana Products
Humana offers a variety of individual and group health and wellness plans via numerous subsidiaries in several states and Puerto Rico.
Humana Individual Health Insurance Plans:
- Medicare Advantage plans
- Medicare Part D (prescription drug) plans
- Medicare Supplement plans
- Dental insurance
- Vision insurance
Humana Group Health Insurance Plans:
- Medical plans
- Dental plans
- Vision plans
- Group life insurance
- FSAs and HSAs
- Group Medicare plans
- Wellness programs
- Employee assistance programs and work-life services
This list of insurance products available from Humana is not exhaustive. Check out the carrier’s website to find out about all of the options available.
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What Discounts Does Humana Offer?
Humana does not make information about its specific discounts or reward programs readily available.
Humana Customer Service
Humana’s website is the primary source for information about the company and its products. There are numerous options for online help, and many points of contact within the company, depending on your needs and the type of customer that you are.
Here’s some basic information about contacting Humana:
- Phone contacts vary; most have extended hours Monday–Friday
- Dedicated help pages for employers, providers, and agents
- Regular mail contact
- Online services and MyHumana app
- Online chat and member support community
- Dedicated Twitter (now known as "X") contact hours seven days a week, 6:00 am to 8:00 pm
- Numerous phone contacts with varying hours
| Days | Hours | ||
| Monday-Friday | Vary depending on location and type of customer | ||
| Saturday-Sunday | Vary depending on location and type of customer |
Humana FAQs
Humana does not report an average claims response time. The healthcare provider, not the member, typically files health, dental, and vision claims.
Humana has extensive customer service availability. Here are your options according to the company’s website:
Online account access:
- Change doctor
- Access ID card
- View your benefits
- Access statements
- Set communication preferences
- Access documents and forms
- Monitor claims
- Access prescription drug list and manage prescriptions by mail
Online chat:
- Easy access to information
- Live help from a Humana representative
Humana Support Community:
- Ask questions and find helpful resources about using your insurance
- Topics for staying healthy
Social Media Support:
- Twitter (now known as "X") support is open seven days a week from 6:00 am to 8:00 pm for simple questions
Humana also offers numerous health resources, including the following mobile apps:
MyHumana
- Access your health information on the go
Humana Pharmacy
- Refill and track prescriptions anytime, anywhere
Go365
- Choose your own health journey and earn points or Humana bucks for tracking health behaviors
Your hospital or doctor’s office will send its bill to Humana as a request for payment for services provided to you. Claims are paid according to the benefits spelled out in your specific plan.
After the provider submits the claim, Humana will pay according to your plan. You’ll receive an explanation of benefits (EOB) describing what has been paid by Humana, and what, if anything, you owe. You’ll receive a bill from your provider for any balance to be paid by you.
If you paid for services from your provider, you must ask Humana to reimburse you. You may request reimbursement by mailing a copy of your Humana member ID card and the provider’s bill to the claims address written on the back of your card. Make sure the bill shows the patient's name and Humana member ID number.
Humana creates a very user-friendly experience for its customers. It offers a wide variety of user-friendly options for its members. Customer service capabilities are numerous, both online and through the company’s mobile apps.
Most day-to-day service can be accomplished online or via the app. The company also offers phone contact, online chats, and customer Q&A via Twitter (now known as "X") seven days a week.
Humana has good health insurance. Humana offers a wide range of group health insurance products and offers Medicare plans, dental insurance, and vision insurance for individuals. The company also offers HSA options where you can save money pre-tax to pay for your insurance deductible and other health-related expenses.
Humana also offers numerous member resources and benefits, including a useful member website and several mobile apps.
Humana can be considered a good insurance company. Humana offers numerous health insurance and related products for its members. Its Medicare plans are a top choice, although the company does not offer individual health insurance plans. It does, however, offer individual dental and vision plans.
It has received high ratings from AM Best. Customer feedback is mixed, with many negative reviews.
https://www.humana.com
https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=35511