Humana Health Insurance Review

Humana Health Insurance Ratings at a Glance

Are you looking for a health insurance company that will give you the options you need? Many healthcare providers offer health insurance plans that will fit most people's monthly premium budgets. Each health insurance provider offers various health insurance plans that provide options for people who want the best coverage.

Keep reading to learn about Humana's health insurance plan with Benzinga's Humana Health Insurance review.

Medicare advantage through Humana can be purchased by people who qualify for Medicare. Three options are available: Humana HMO, Humana PPO and Humana indemnity plans. 

Dental and vision insurance through Humana follows a three-tier type of coverage: Dental Savings Plus, Preventive Value and Dental Preventive Plus. The summary of the costs and benefits of each policy is below.

• Dental Savings Plus: no deductible, no annual maximum and a monthly premium of $7.99.
• Preventive Value: includes a $50 deductible, yearly unlimited maximum and a monthly premium of $17.99. 
• Dental Preventive Plus: requires a $50 deductible, an annual maximum of $1,000 and a monthly premium of $20.99. 

The main difference between these policies is the provider networks. Dental Savings Plus could be the cheapest policy among Humana's offerings. It will provide discounts if you visit in-network dentists. Preventive Value and Preventative Plus offer more flexibility for networks.  They offer essential preventative care and medical services to policyholders.

If you need vision insurance, you can purchase coverage through Humana. Humana vision insurance assists you in paying for services like routine eye exams, contact lenses and frames. Only one plan is available: the Vision Focus Plan. This policy's monthly premium is $14.99 with a one-time enrollment fee of $35. 

With $0 monthly premiums, Humana Gold Plus HMO plans are affordable. They offer more benefits than original Medicare and provide security of maximum annual out-of-pocket expenses. All HMO plans include coverage for prescription drugs, a broad network of providers, dental benefits, vision benefits and hearing benefits. Data suggests that roughly 60% of all Medicare Advantage plan members choose HMO plans.

Humana's PPO plans make for affordable health insurance because they provide affordable premiums and deductibles, potential Part B premium savings, over-the-counter allowance and an annual maximum out-of-pocket cost security. Humana PPO plans offer copayments and coinsurance with transparent prices to make it easier to manage your healthcare costs. One significant aspect of a PPO is that these plans do not require referrals for any service.

Because Humana offers a wide range of options, it receives a rating of 4 stars on a 5-star scale. Many of Humana's positive reviews highlight satisfaction with claims, healthy incentives, satisfaction with provider networks and great customer service experiences.  

Some of the most influential rating organizations rank Humana among the top insurers. It received an A- rating through AM Best Rating. The table below displays Humana's ratings across various rating companies. 

One way to distinguish Humana from its competitors is by looking at the company's awards and recognitions. Human’s honors include the Dorland Health Award for exceptional services in the Medicare Advantage category for customers older than 65.

Humana also received the J.D. Powers and Associates award for highest member satisfaction among commercial health plans in Texas, North Carolina, South Carolina and Georgia. 

Overall, Humana struggles in the customer service area. While the good outweighs the bad, Humana should consider this an area that needs improvement.

The Humana Savings Center links members to health and wellness discounts. Humana's pricing depends on the insurer's age and rating, similar to Medigap plans from alternative insurers. For a 35-year-old nonsmoking female, the average monthly cost might be anywhere between $300 and $500. Because of its reasonable prices, the company earns 4 out of 5 stars.  

Humana members have access to the online MyHumana portal either over the internet or on the company’s app. The apps allows customers to pay premiums, locate doctors and find additional information such as a guide to drug prices.

Humana also offers members exclusive access to its Go365 wellness program. The objective is to help members save on monthly health insurance premiums.

The Humana app allows you to manage your healthcare. You can review your coverage, check claims, view your Humana ID card and find in-network providers with a few clicks. You can download the MyHumana app through Apple’s App Store or get it on Google Play. 

The Go365 app lets you track your progress and helps you stay motivated. If you invest in a policy that includes Go365, you can earn rewards by completing eligible, fun and engaging activities that can help you reach your health goals. The app is available through the App Store or Google Play.

The Go365 for Humana Healthy Horizons makes it easy to:

• Engage in healthy activities
• Get help with your health goals
• Earn rewards along the way

Lastly, the Humana Pharmacy mobile app lets customers order prescriptions from anywhere. You can request and refill medication, set pill reminders and check your order status.

With so many different ways to access Humana, its application experience receives 4 out of 5 stars. 

Humana vs Competitors

Some of Humana's top competitors include Aetna Inc., CVS Health Corp., Anthem Inc., Cigna and UnitedHealth Group Inc.. Humana stands out because it offers affordable dental coverage. Humana does very well financially, which enhances its overall reputation.

Solid financial performance helps determine whether an insurance company can meet its obligations. Humana is financially stable, according to Moody's and AM Best Ratings. Humana's 50-plus years of experience, in addition to its name of recognition, gives consumers plenty of reason to trust in its economic stability. Humana's overall rating is 4 out of 5 stars.

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