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Humana Review

Thursday, May 30th

2024 Medicare Supplement Plan Reviews

Humana Review 2.5 Star Rating


2.5 Star Rating
  • Quoted prices around $161.45/month + $226 annual deductible
  • Sells only its own insurance
  • Coverage in 49 states
  • Online quote process
  • "A+" rating and accreditation from the BBB

Unlike some of the other options in our review, Humana is a site that positions itself as a dedicated service, offering its own coverage directly rather than serving as a brokerage for other companies. When you visit their site seeking quotes, you'll exclusively encounter Humana's range of plans. The good news is they provide a wide array of plans and prices, granting you the flexibility to choose a plan that best fits your life and your Medicare plan. Humana offers coverage in 49 out of 50 states, making it highly competitive for customers across the country too.

Website is a breeze

Navigating the Humana website will likely be a pleasant experience. For our sample case - a 65-year-old woman residing in Wisconsin who doesn't smoke and is looking for a Plan G or something equal to it - it was a breeze to survey the available Medicare Supplement Plans. A quick glance revealed four options tailored to her demographic, complete with details on deductibles, the inclusion of dental and vision coverage, and more riders on top of that.

Compare & enroll online

Humana's site offers a convenient "Add to Compare" button, enabling you to keep track of the plans that stand out to you. And our favorite part: Humana facilitates an entirely online enrollment process. Once you've completed the online application, you're officially enrolled, and a comprehensive packet is set to reach you within 7-10 business days.

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Some confusion in the online form

However, the application process might throw you a curveball. Opting for Humana's Basic plan, mirroring other quotes for Plan G-like coverage in Wisconsin, led us through the usual details - age, date of birth, and the like. Yet, confusion crept in when faced with "Part A" and "Part B" month and year requests. Although the platform lacked an explanation (and we had to do some Sherlock Holmes deductions to get a clear picture), it became clear that Humana was looking for the initiation dates of these Medicare components. On top of that, selecting a coverage start date poses limitations: you can only choose plans that start within the next three months. So, those looking to plan ahead will be out of luck with Humana.

Site can be too busy

There's one other user interface problem we ran into during our research. Despite selecting a single plan for a quote, the results page bombarded us with information on ALL available plans and their estimated premiums. While you can complete the entire quote process online, which means you don't have to worry about a long or annoying phone call, this can be a little frustrating with so much information on the site. It would be much more helpful if customers could narrowly focus on the plan they were researching instead of seeing everything all at once. Once you dive further into the intricacies of Humana's quoting process, you'll encounter a rate chart. This feature provides a more accurate premium, especially if you fall outside the eligibility for a "preferred rate" due to tobacco use.

Higher-than average premiums

For our test client, the Humana Med Supp 50% Cost Share Plan emerged as the most comparable option to our quoted standards. This plan encompassed the equivalent of Plan G coverage, with a $226 annual deductible. The premium cost around $161.45 each month, which is on the higher end. If you choose to go for a quote via phone, you might incur a surcharge of nearly $10/month, which may be a huge problem for customers who prefer to talk directly to an agent.

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Good ratings, but concerns from industry pros

Humana positions itself as a provider with a substantial track record, with 60 years of service. Their accreditation and "A+" rating from the Better Business Bureau signal reliability. However, we have to acknowledge the flip side. Despite the commendable longevity, Humana shows a considerable number of complaints on the BBB site, raising questions about its customer-friendly reputation. In fact, some industry insiders actively steer clear of recommending Humana due to its less-than-stellar track record.

May not be worth trusting

In weighing the pros and cons, Humana emerges as a pricier choice for Medicare Supplement Plans. The online quote process is mostly user-friendly, making it an attractive option for those inclined toward a self-guided application without agent interaction. However, the mixed bag of customer reviews and industry feedback nudges us to exercise caution. While exploring Humana for your initial quote might be worthwhile, it may not be the most trustworthy place to support your health and wellness.

Which Medicare Supplement Plan 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 due to other qualifying reasons, now is the perfect time to start looking at additional coverage options for your Medicare. While Medicare insurance covers many of your medical expenses, it doesn't cover everything. To help pick up the extra slack, you can dive into a Medicare Supplement plan, often referred to as "Medigap" .

These plans work to address the gap between the 80% of medical concerns covered by Medicare and the remaining 20% that isn't covered. This way, you can reduce your out-of-pocket medical expenses and feel safer and more comfortable with your coverage.

The Best Medicare Supplement Plans Compare Medicare Supplement Plans Compare Medicare Supplement Plan Reviews What are the best Medicare Supplement Plans Best Medicare Supplement Plan Reviews

Medicare Supplement Plan FAQ

Medicare Supplement Insurance is additional coverage beyond traditional Medicare. Also known as "Medigap" , these plans cover some or all of the expenses that aren't covered by your basic Medicare benefits.
Original Medicare only covers 80% of most medical expenses. The remaining 20% can get extremely costly, especially if you have a long hospitalization or a condition that requires specialized treatment. Medicare supplemental plans can ease the financial burden, kicking in where Medicare stops and reducing your out-of-pocket costs.
That depends entirely on the plan you select. Will you choose a high-deductible plan with lower premiums, or is it worth it to you to pay more in premiums to pay nothing when you have a medical expense? It also is heavily influenced by your particular situation: where you live, if you're a smoker, male vs. female, your age, and so forth. For Plan G coverage (the most popular of the Medicare supplemental plans), expect monthly premiums in the $110 - $160 range.
It can be confusing at first, partly because they're all identified by letter names (for example Plan A, Plan B, and so on) - and they're often mistaken for the similarly-named components of Medicare itself (Part A, Part C, and more). Again, the main differences relate to the trade-off between deductible amounts and premiums: pay more upfront to spend less later, or vice-versa. Plan benefits are standardized, however, so whether you choose a Plan M with one insurer or another, your coverage is the same.
While your coverage is the same regardless of which provider you use, premiums vary. It's a good idea to speak with a few companies, or with a broker that can give you quotes from several insurers to compare. Also, each company offers a different package of "extras" to complement your Medigap coverage. Some services will keep an eye on your premiums and let you know if you're going to experience a significant increase - and they'll even recommend a new insurer if they find one that's better suited to your needs.
Unfortunately, yes. Just like any other form or insurance (such as auto, medical, homeowner's), your Medicare supplement insurance premiums may change. Insurers may lock in your rate for a year or two, but you should be prepared for an increase in the future. There are a few providers who have a strong track record for keeping increases infrequent and small.
That depends. While some states require Medigap plans to be available for disabled individuals under the age of 65 (the age that standard Medicare eligibility starts), there's no corresponding federal law. And, many states that permit Medigap coverage for the disabled also have restrictions that don't apply for the 65-and-up plans. You should speak to a Medicare Supplement Plan advisor to learn about the options in your state of residence.
Not only is it legitimate, it's an important component of many seniors' healthcare benefits and financial planning. Of course, you should be careful to choose a reputable provider and work with an agent or referral service that takes the time to understand your needs and explain all of the available options. There's a limited window of opportunity to sign up for a Medigap plan without having to submit medical reports, so it is recommended that you begin doing your research well before your 65th birthday.
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Continued from above...

The Medicare Supplement Plans are assigned letter names to differentiate them, which can sometimes lead to confusion. With an ever-evolving landscape of plans and their coverage, keeping up with changes like swapping Plan F (once a popular choice but was discontinued for new enrollees after January 1, 2020) with its successor, Plan G, (which offers similar benefits but introduced an annual deductible) can be extremely confusing. Paying attention to the changes in the market will help you make a more informed decision about your healthcare coverage and help you recognize what coverage you need and what you don't.

One thing to keep in mind as you plan for your Medicare journey is the "guaranteed issue period" . This is a period that spans the six months following your 65th birthday. During this period, you can get a Medicare Supplement Plan without any prerequisites beyond paying your premiums.

For example, this means that while health conditions won't disqualify you, being a smoker might result in higher premiums. However, once this six-month grace period concludes, insurers may request more detailed health information, such as your history of diabetes or heart conditions that may potentially impact your premiums and change what plans are available to you.

When it comes to purchasing a Medicare Supplement Plan, you have two primary options: buying directly from an insurance company or getting your plan through the services of a broker. Going with an insurance company means you might be able to continue using a company you already trust, which may be appealing due to lower rates or trustworthy insurance adjusters. On the other hand, if you choose to go with a broker, the company gives you access to a range of insurance providers, so you can compare rates and plans side by side, including the rates offered by your preferred insurance company.

Regardless of whether you choose to work with a broker or purchase directly from an insurance company, the most important thing about choosing a Medicare Supplement Plan is that you need to do your research. While you can initially explore various providers' websites, keep in mind that Medicare rules dictate plans must be sold either in person or over the phone, so you should be prepared to talk with a representative to finalize your Medicare Supplement Plan.

If you're not sure where to start with your Medicare Supplement Plan, we've put together a few things that might help you narrow down your options:

  • Cost. When it comes to the cost of Medicare Supplement Plans, your health and your pre-existing conditions may change the costs depending on which company you choose. To manage costs effectively, you'll want to compare companies to find the most budget-friendly options. However, keep in mind rates can also change over time.
  • Coverage. There are tons of different plans and different names to choose from. As you look through Medicare Supplement Plans, make sure that you spend your time researching providers that offer coverage in your state. Given the time-consuming nature of this process, you may not want to have a phone call with a company that turns out not to have competitive plans or prices in your state.
  • Reputation. To get a smooth and stress-free experience, it is recommended to select a reputable company. Whether you go through an insurance company directly or a broker, checking reviews and the Better Business Bureau ratings can provide valuable insights into the company's track record so you can pick one that really cares about its clients.

To help you stress less about your Medicare plans, Top Consumer Reviews has reviewed and ranked the best Medicare Supplement Plans available today. This way, you can save both time and money in your search. All you need to worry about is finding the best provider using our handy list and detailed reviews and getting back to enjoying your golden years stress-free!

Compare Medicare Supplement Plans

Select any 2 Medicare Supplement Plans to compare them head to head

  • United Medicare Advisors
  • Go Medigap (eHealth)
  • Medicare Plans
  • Aetna
  • SelectQuote Senior
  • Humana
  • Blue Cross Blue Shield
  • Cigna
  • GoHealth
  • HealthCare
United Medicare Advisors vs Go Medigap (eHealth) United Medicare Advisors vs Medicare Plans United Medicare Advisors vs Aetna United Medicare Advisors vs SelectQuote Senior United Medicare Advisors vs Humana United Medicare Advisors vs Blue Cross Blue Shield United Medicare Advisors vs Cigna United Medicare Advisors vs GoHealth United Medicare Advisors vs HealthCare Go Medigap (eHealth) vs Medicare Plans Go Medigap (eHealth) vs Aetna Go Medigap (eHealth) vs SelectQuote Senior Go Medigap (eHealth) vs Humana Go Medigap (eHealth) vs Blue Cross Blue Shield Go Medigap (eHealth) vs Cigna Go Medigap (eHealth) vs GoHealth Go Medigap (eHealth) vs HealthCare Medicare Plans vs Aetna Medicare Plans vs SelectQuote Senior Medicare Plans vs Humana Medicare Plans vs Blue Cross Blue Shield Medicare Plans vs Cigna Medicare Plans vs GoHealth Medicare Plans vs HealthCare Aetna vs SelectQuote Senior Aetna vs Humana Aetna vs Blue Cross Blue Shield Aetna vs Cigna Aetna vs GoHealth Aetna vs HealthCare SelectQuote Senior vs Humana SelectQuote Senior vs Blue Cross Blue Shield SelectQuote Senior vs Cigna SelectQuote Senior vs GoHealth SelectQuote Senior vs HealthCare Humana vs Blue Cross Blue Shield Humana vs Cigna Humana vs GoHealth Humana vs HealthCare Blue Cross Blue Shield vs Cigna Blue Cross Blue Shield vs GoHealth Blue Cross Blue Shield vs HealthCare Cigna vs GoHealth Cigna vs HealthCare GoHealth vs HealthCare
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