Are Humana Medicare Advantage Plans a good fit for you?
|Humana has a wide selection of highly-rated Medicare Advantage Plans with positive customer reviews, including HMO, PPO, SNP, and PFFS plans.|
|Medicare rating: 4 stars||A.M. Best financial strength rating: A-||BBB rating: A+||NCQA rating: 3.5 to 4 stars||Consumer Affairs rating: 3.8||J.D. Power ranking: 4th out of 10|
Humana, a healthcare insurance company, is headquartered in Louisville, Kentucky. The company has received awards for its products, customer services, and business practices, and it receives consistently positive reviews from policyholders. Humana has a wide selection of Medicare Advantage Plans, some with varying out-of-pocket expenses, so researching your options is essential for finding a plan that’s right for you.
Humana Medicare Advantage Plans are comparable in their scope of coverage to other Medicare Advantage Plans, offering all the benefits of Original Medicare, along with coverage for additional health services. Medicare Advantage Plans, also called Medicare Part C, often include prescription drugs, vision, and dental coverage, and wellness programs. Your out-of-pocket costs depend on the plan you choose, as do rules for how you get services, such as whether you have to choose a primary care doctor or get a referral to see a specialist.
Your hospital and medical insurance are covered and you’ll get prescription drug coverage with most plans. Additional benefits from Humana Medicare Advantage Plans may include:
Regardless of the Medicare Advantage Plan you choose, you’ll still pay the premium for Part B coverage, and some plans have additional monthly premiums.
Humana offers nearly a dozen plans, including HMOs, PPOs, PFFS plans, and SNPs. Some plans don’t have monthly premiums and have relatively affordable out-of-pocket costs, with visits to primary care doctors ranging from $0 to $15 and visits to specialists from $20 to $45. In addition to covering medical and hospital care, all plans include memberships for SilverSneakers, and many have an allowance for over-the-counter medications. Plans vary depending on your location. Check available options in your area.
These are among the most popular Humana Medicare Advantage Plans:
|Plan Name||Monthly premium||Annual medical deductible||Office visits||Annual maximum out-of-pocket cost|
|Humana Gold Plus (HMO)||$0||$0||$0 primary care / $20 specialist||$2,600|
|Humana Choice (PPO)||$0||$0
|$0 primary care / $45-0 specialist||$5,500 in-network / $10,000 combined in- and out-of-network|
|Humana Honor (PPO)||$0||$0||$15 primary care / $45 specialist||$5,900 in-network / $10,000 combined in- and out-of-network|
|Humana Community HMO C-SNP Diabetes and Heart||$0||$0||$0 primary care / $20 specialist||$2,600|
|Humana Gold Choice (PFFS)||$146||$0
|$15 primary care / $45 specialist||$6,700 combined in- and out-of-network|
*Based on pricing in Chicago, IL in 2022
|What we like about Humana Medicare Advantage Plans:||The drawbacks of Humana Medicare Advantage Plans:|
Humana rates consistently well across several review sites, with customers noting its professionalism, reliable coverage, and large provider networks. Humana received lower marks for coverage limits, especially related to prescription drugs.
Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how Medicare, A.M. Best, the Better Business Bureau and more rate Humana Medicare Advantage Plans.
|Medicare rating: 4 stars||In 2022, 97% of Humana’s Medicare Advantage members are in a four-star or higher plan. The company increased the number of contracts with a five-star rating from one in 2021 to four in 2022. These ratings are assigned by the Centers for Medicare & Medicaid Services.|
|A.M. Best financial strength rating: A-||A.M. Best sets credit ratings for insurers. In October 2021, A.M. Best affirmed it’s A- Financial Strength Rating (FSR) for Humana Inc. and it’s health insurance subsidiaries. An A- rating indicates Humana has an excellent ability to meet financial obligations.|
|BBB rating: A+||Humana is accredited with the Better Business Bureau and has an A+ rating. In the last three years, Humana has closed 28 complaints, eight of which were in the last year.|
|NCQA rating: 3.5 to 4 stars||On average, the National Committee for Quality Assurance rates Humana’s plans well. Most plans are NCQA-accredited and have mid to high-performance ratings three metrics, which include Consumer Satisfaction, Prevention, and Treatment. Specific ratings in each of these categories varies depending on the type of plan (HMO or PPO) and where it is offered.|
|Consumer Affairs rating: 3.8||According to Consumer Affairs, Humana has an overall satisfaction rating of 3.8 out of five stars. This score is based on 875 ratings posted within the last year. Several policyholders commend the company’s outstanding customer service and reliable coverage, while some members provided negative reviews because they felt limited by their plan’s network or coverage limits, especially for prescription drugs.|
|J.D. Power ranking: 4th out of 10||In its 2021 Medicare Advantage Study, J.D. Power measured Medicare Advantage Plan satisfaction based on coverage and benefits, provider choice, cost, customer service, information and communication, and billing and payment. Humana scored 822 points out of 1,000 and came in fourth out of the top 10 Medicare Advantage providers.|
LeRon Moore has guided Medicare beneficiaries and their families as a Medicare professional since 2007. First as a Medicare provider enrollment specialist and now a Medicare account executive, Moore works directly with Medicare beneficiaries to ensure they understand Medicare and Medicare Advantage Plans.
Moore holds a bachelor’s degree from Southern New Hampshire University and is A+ Certified with a Medical Records Clerk Certification and Medical Terminology Certification from Midlands Technical College.
He’s passionate about educating, informing, and resolving issues concerning Medicare and Medicare Advantage Plans, and considers it imperative that he does all he can to educate and inform the senior community as much as possible about Medicare.