Humana Medicare Advantage Plans Review
Fact checked Contributing expert: Kelly Blackwell, Certified Senior Advisor - Published: April 2, 2021
Quick Humana Medicare Advantage Plans review: Humana has a wide selection of highly-rated Medicare Advantage Plans with positive customer reviews, including HMO, PPO, SNP, and PFFS plans.
Humana, a health care 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.
What do Humana Medicare Advantage Plans cover?
Humana Medicare Advantage Plans are an alternative option to Original Medicare. Like most Medicare Advantage Plans, Humana’s plans include medical and hospital coverage, along with additional coverage options, such as vision and dental insurance, discounts on fitness and wellness memberships, and prescription drug coverage. 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.
What are Humana Medicare Advantage Plan options?
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 $20 and visits to specialists from $25 to $50. 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:
|Humana Medicare Advantage Plans|
|Plan Name||Monthly premium||Annual deductible||Office visits||Telehealth||Emergency room||Annual maximum out-of-pocket cost|
|Humana Gold Plus (HMO)||$0||$0||$0 primary care / $25 specialist||$0 primary care / $25 specialist / $0 urgent care / $0 behavioral services||$120||$2,650|
|Humana Choice (PPO)||$0||$0||$20 primary care / $50 specialist||$0 primary care / $50 specialist / $0 urgent care / $0 behavioral services||$90||$6,700 in-network / $10,000 combined in- and out-of-network|
|Humana Honor (PPO)||$0||$0||$15 primary care / $45 specialist||$0 primary care / $45 specialist / $0 urgent care / $0 behavioral services||$120||$6,700 in-network / $10,000 combined in- and out-of-network|
|Humana Community HMO C-SNP Diabetes and Heart||$0||$0||$0 primary care / $25 specialist||$0 primary care / $25 specialist / $0 urgent care / $0 behavioral services||$120||$3,400|
|Humana Gold Choice (PFFS)||$145||$0||$15 primary care / $45 specialist||$0 primary care / $45 specialist / $0 urgent care / $0 behavioral services||$90||$6,700 combined in- and out-of-network|
*Based on pricing in Chicago, IL
Pros and cons of Humana Medicare Advantage Plans
What we like about Humana Medicare Advantage Plans:
- Many plan options, including PFFS plans and SNPs
- Some plans have no monthly premium
- No annual deductibles
The drawbacks of Humana Medicare Advantage Plans:
- SilverSneakers memberships may not be available in all areas
- Not all plans include prescription drug coverage
Humana Medicare Advantage Plans reviews and ratings
Humana rates consistently well across several review sites, with customers noting its professionalism, reliable coverage, and large provider networks.
Humana is accredited with the Better Business Bureau and has an A+ rating. In the last three years, Humana has closed 22 complaints, nine of which were in the last year.
In general, the National Committee for Quality Assurance rates Humana’s plans well. Most plans are NCQA-accredited and have mid to high-performance ratings across the three metrics, which include Consumer Satisfaction, Prevention, and Treatment. Three plans have an overall customer satisfaction rating of 4.0, about half of the plans rate 3.5, and seven plans are rated 3.0. Seven plans have lower performance ratings of 2.5, and one plan is rated 2.0.
According to Consumer Affairs, Humana has a high overall satisfaction rating of four out of five stars. This score is based on 1,891 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.
- Sources [-]
Medicare: How Do Medicare Advantage Plans Work? Last accessed April 2021
Humana: Humana Medicare Advantage Plans Last accessed April 2021
Better Business Bureau: Humana Health Plan, Inc., Kentucky Last accessed April 2021
NCQA: NCQA Health Insurance Plan Ratings 2019-2020 Last accessed April 2021
Consumer Affairs: Humana Health Insurance Last accessed April 2021
Kelly Blackwell, Certified Senior Advisor (CSA)
Kelly Blackwell is a Certified Senior Advisor (CSA)®. She has been a healthcare professional for over 30 years, with experience working as a bedside nurse and as a Clinical Manager. She has a passion for educating, assisting and advising seniors throughout the healthcare process.