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Humana Review

Wednesday, May 29th

2024 Medicare Advantage Plan Reviews

Humana Review 3 Star Rating


3 Star Rating
  • Quoted monthly prices from $0 to $138
  • $61.85 to $157.91/month in prescriptions
  • Sells its own insurance
  • Coverage in 49 states
  • Online quote and enrollment process
  • "A+" rating and accreditation from the BBB

If you're in the market for a Medicare Advantage Plan, Humana is a popular name with different Medicare brokers. You've probably already seen Humana pop up during your research.

Wide ranging coverage

The company offers coverage spanning across most locations in the US, and Humana stands out as a contracted partner with various brokers and referral services which makes it easy to find wherever you're browsing. Plus, all the coverage provided by Humana encompasses hospital stays, emergency transportation, telehealth visits, preventive care, specialist visits, lab work, x-rays, screenings, imaging, outpatient care, procedures, and medical supplies and equipment.

User-friendly experience overall

The Humana website offers valuable resources to learn everything you need to know about Medicare Advantage Plans. Whether you want to get into the intricacies of a PFFS plan or if you want to see how to be sure your plan will work with your normal physicians, Humana provides the answers. And, the site is very user-friendly, which makes it comfortable to find what you need at a glance.

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Quick process for online quotes

To get a quote, you just start by entering your zip code. Right away you'll be directed to a page that shows all the plans from Humana available in your area. For our research, we looked at Lake County, IL for our example customer. The best part is that you can add your prescription medications right there online to get a full rundown of prices right away. All of the quotes include details about monthly premiums, copays for specialists, out-of-pocket maximums, and whether you'll get vision, dental, lab work, and other extras. Plus, with the "compare" tool, you can look at different plans side by side.

Online enrollment available

Humana offers the convenience of completing the entire enrollment process online. This is a huge benefit, meaning you can handle your own Medicare Advantage Plan without giving out your phone number. However, if you're interested in getting assistance from a representative, that's still an option with Humana. To complete the process online, you'll need to have your Medicare number, eligibility dates, and supporting documents for any other coverage you may have.

Somewhat higher pricing

Using our example client, a soon-to-be 65-year-old woman in Illinois who never smoked and takes Xarelto medication, we found some solid pricing options. Notably, our sample medication was covered in 9 out of the 12 plans from Humana. The prices range from $0 to $138 in monthly premiums and $743 to $1895 annually for the prescriptions. This shakes out to between $61.91 to $157.91 per month for prescriptions: somewhat higher than other providers in our review.

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Mixed reputation between BBB and customer reviews

Humana has an "A+" rating and accreditation from the Better Business Bureau (BBB). However, on third-party review sites, Humana doesn't do as well. The average rating for Humana is around 2.1 stars. Customer complaints particularly note that they had problems getting Humana to come through for dental work. Many of the most recent one-star reviews talk about paying extra for dental and Humana refusing to cover the work. Although Humana's Medicare Advantage Plans were frequently recommended by brokers, the abundance of complaints and feedback from customers who suggest avoiding Humana plans adds a layer of caution.

Mixed feedback earns it a mid-tier rating

At the end of the day, Humana is still highly competitive in the level of coverage available. However, it does lose a few points for the negative customer reviews, especially with customers having problems getting their dental work covered. Plus the prices aren't as competitive as they could be here. Still, with an "A+ rating from the BBB and being highly popular with brokers, Humana has some features that could make it a better-than-average option. The online enrollment and quoting features are definitely a plus. Balancing out the pros and cons, Humana receives an average rating in our review.

Which Medicare Advantage Plan Provider is the Best?

If you or a family member is approaching the age of 65, or if you are soon eligible for Medicare Parts A and B, now is the perfect time to start looking at coverage to go along with your Medicare. While standard Medicare covers many of your medical expenses, it may be somewhat expensive. So looking into another option, Medicare Advantage Plans, might be in your best interest.

Medicare Advantage, also known as Medicare Part C, is an alternative to traditional Medicare offered by private insurance companies approved by Medicare. These plans provide all the coverage of Medicare Part A (hospital insurance) and Part B (medical insurance) and often include additional benefits, such as vision, dental, and prescription drug coverage. Some plans even offer health and wellness programs to encourage preventive care like fitness, chiropractic, and physical therapy.

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Medicare Advantage Plan FAQ

Medicare Advantage Plans are a way of getting your Medicare Part A and Part B coverage through private companies approved by Medicare. These insurers have to follow specific rules in order to participate. These plans typically operate with an HMO or PPO structure, requiring you to use in-network providers for maximum benefits. Some customers appreciate getting their services bundled from an insurance company they already trust, often with extra benefits not found with Original Medicare.
If you have Medicare Part A and Part B, and there's a plan that is available where you live, you're eligible for Medicare Advantage. Bear in mind that Advantage policies are almost always network-based: if you live in another state during the year, your plan may not offer benefits in both places.
Yes! You can enroll in a Medicare Advantage plan either when you first sign up for Medicare A & B or during the yearly enrollment period from October 15 through December 7. Once you're enrolled in a plan, you can switch to a different one or back to Original Medicare from January 1 through March 31. There are also special enrollment periods for certain life events, like moving to a different address, losing your current coverage, or your contract not being renewed.
There are many differences between these two types of additional Medicare coverage. Medicare Supplement Plans, or Medigap, are designed to pay the out-of-pocket costs not paid by Medicare itself. These plans don't include prescription drugs, tend to have higher premiums than Advantage coverage, and you'll pay more if you don't enroll early on in your Medicare coverage. On the other hand, Medicare Advantage Plans are usually much lower in premiums and higher in out-of-pocket costs. Advantage policies often have prescription drug benefits. But, Medicare Advantage doesn't pay any of the costs that original Medicare doesn't cover. You can't be enrolled in both a Medigap plan and an Advantage plan at the same time.
That depends on the plan you select. However, one of the reasons Advantage plans are so attractive is because many of them do include dental, vision, or hearing benefits - or all three!
That also depends on the plan you choose. Almost every Medicare Advantage plan will still have out-of-pocket costs for prescriptions. When getting a quote, have your medications handy: many online quote platforms and insurance brokers will ask for the name and dosage, to provide you with an accurate estimate of what you'll spend for those specific prescriptions with a given Advantage policy.
Believe it or not, there are Medicare Advantage policies that have $0 monthly premiums. Of course, you get what you pay for - and if you want broader coverage and lower deductibles/out-of-pocket costs, your premiums will be higher.
That's a matter of preference. But, it can be helpful to start your search by using a website that offers quotes from multiple insurers, so that you can get a feel for what's available in your area. Many of these referring websites can walk you through the entire application process with any company you select, without pressuring you to choose one over another. On the other hand, if you already know which insurer you want - or maybe there's only one available where you live - there's nothing wrong with getting your plan right from the insurance company.
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Continued from above...

One way to think of a Medicare Advantage Plan is like an all-inclusive resort stay. While you need to stick with a particular hotel (or, in this case, medical network), everything is handled for you from basic meals to entertainment (or prescriptions and medical specialists). Much like an all-inclusive resort experience, Medicare Advantage consolidates various features of Medicare, so your prescription drug coverage and services like dental, vision, and hearing are all taken care of in one place. These elements would typically require piecing together separate standalone plans which can be complicated and frustrating. Instead, you can get everything you need at once.

Premiums for Medicare Advantage plans change based on the provider and the specific plan. While you might find policies with $0 monthly payments, they can come with increased out-of-pocket expenses, such as office visit copays and annual deductibles. However, basics like primary care and prescriptions are often partially (if not completely) covered. On the other hand, if you're looking to see a specialist, you might prefer a plan with a higher premium to cover the cost of those visits.

When it comes to signing up for a Medicare Advantage Plan, there are two ways to find what you need: approaching an insurance company directly or collaborating with a broker. Choosing an insurer you already know and trust, potentially one that has been your healthcare provider before, might be the best way to go if you're looking for peace of mind and security. Typically, you can rely on getting the lowest possible premium quotes from that particular company. However, going through a broker or referral service can help you compare policies from different insurers at a glance. In this case, you might find better coverage from a competitor, and you can trust the broker to work on your behalf.

Regardless of the path you choose, you'll want to familiarize yourself with the different Medicare Advantage Plans, their benefits, and average premium costs for your demographic (age, gender, location). This helps you avoid feeling pressured to commit to a policy that may not align with your needs. Keep in mind that to apply for any Medicare Advantage Plan, you'll need your Medicare number, so make sure you complete the necessary steps to enroll in Medicare (A and B) before selecting your Advantage coverage.

If all of this sounds like a lot, don't worry. We've got your back. To simplify the process of finding Medicare Advantage Plans that are worth your time, we've put together a few criteria that might help you sort it all out:

  • Cost. When it comes to the cost of Medicare Advantage Plans, your health and your pre-existing conditions or your prescriptions may change the costs depending on which company you choose. While many options offer a $0 premium, you'll want to be sure that the premium includes all the benefits you're looking for. So, keep an eye on the deals and benefits to make sure the cost is worth it. Sometimes your prescriptions might cost less with different plans too, so watch out for those monthly costs as you research.
  • Coverage. There are tons of different plans and different names to choose from. As you look through Medicare Advantage Plans, make sure that you spend your time researching providers that offer coverage in your state. You'll also want to make sure that if you need prescription coverage, that's included in the options, as well as your primary care physician if you don't want to switch to someone else "in-network" .
  • Reputation. To get a smooth and stress-free experience, we recommend checking out reputable companies first. Whether you go through an insurance company directly or a broker, customer reviews and Better Business Bureau ratings can give you insight into a company's practices. If customers like you are happy (or unhappy) it can help you choose the best match for you.

To help you keep it simple and focus on your health and well-being, Top Consumer Reviews has reviewed and ranked the best Medicare Advantage Plans available today. This way, you can save time and money as you join (or change to) a new plan. We hope our research will help you find the best deals, the friendliest reps, and the top coverage so you can enjoy your golden years stress-free!

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