Humana Insurance Company at a Glance
Here’s what you need to know about Humana Insurance Company. An independent insurance agent can help you evaluate if Humana is right for you.
- Humana Inc. is a for-profit health insurance company based in Louisville, Kentucky
- In 2020, the company ranked number 52 on the Fortune 500 list
- Humana sells Medicare, dental, and vision plans for individuals, and group health, dental, and vision plans for employer groups
- Humana works with both captive and independent insurance agents
- Rated A- (Excellent) by A.M. Best
- Humana operates numerous medical and dental insurance subsidiaries in various states and Puerto Rico
Humana Pros: Humana is a well-established and financially strong company with high ratings from A.M. Best and numerous other financial ratings bureaus. Offers wellness programs with its health plans. Numerous excellent customer service options, including traditional contact, social media contact, mobile apps, and an online portal. Multiple plan options for companies of all sizes. Extensive provider networks.
Humana Cons: Humana does not offer individual health insurance plans, except for its Medicare, dental, and vision plans. The company receives a lot of negative customer feedback.
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.
What Type of Insurance Does Humana Offer?
Humana offers a variety of individual and group health and wellness plans via numerous subsidiaries in several states and Puerto Rico.
Humana Individual Plans:
- Medicare Advantage plans
- Medicare Part D (prescription drug) plans
- Medicare Supplement plans
- Dental insurance
- Vision insurance
Humana Group 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 to Know About Humana
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 revenues in the tens of billions.
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 A.M. 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.
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 first place to find out more 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 contact hours 7 days-a-week, 6:00 am to 8:00 pm
- Numerous phone contacts with varying hours
|Monday-Friday||Vary depending on location and type of customer|
|Saturday-Sunday||Vary depending on location and type of customer|
What is Humana’s average claim response time frame?
The provider, not the member, typically files health, dental, and vision claims. Humana does not report an average claims response time.
What is Humana’s customer service availability?
Humana has extensive customer service availability. Here are your options according to the company’s “Member Guidance/Helpful Resources” web page:
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
- 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 support is open 7 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:
- Access your health information on the go
- Refill and track prescriptions anytime, anywhere
- Choose your own health journey and earn points or Humana bucks for tracking health behaviors
What is Humana’s claims process?
Your hospital or doctor’s office will send their 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.
Does Humana create a user-friendly experience for customers?
Humana 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 7-days-a-week. Humana creates a very user-friendly experience for its customers.
Does Humana have 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.
Is Humana a good insurance company?
Humana offers numerous health insurance and related products and 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 A.M. Best. Customer feedback is mixed and includes many negative reviews, but overall, Humana can be considered a good insurance company.
Humana Customer Reviews
|“I have just joined Humana Horizon, so I have yet to use my dental insurance. However, I have read through my entire plan and it seems to cover quite a bit. I believe that I will be satisfied with my dental insurance.”|
TrustedChoice.com's Final Review
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 A.M. 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 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.
Plans types offered by Humana 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 through dedicated company representatives. We recommend considering Humana along with other health insurance companies that you may be interested in.
You can also use our national insurance company directory to find the best insurance companies to meet your needs. The directory can help you find companies that specialize in your specific coverage needs and get connected to an agent near you.
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