Humana Medicare Supplement Insurance Review


Rating: 9 / 10 (Excellent)
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The third largest healthcare insurer in the United States, Humana has its roots as a nursing home company, and now provides managed healthcare to over 10 million customers in all 50 states. Humana offers eight of the ten standard Medigap plans, has a stable financial outlook, and receives better than average customer reviews.

How is Humana rated?

Breakdown

9/10
Coverage
9/10
Pricing
9/10
Customer Experience
9/10
Financial Strength

Overall Rating: 9 / 10 (Excellent)

With Medicare supplemental plans available in all 50 states, Humana rates above-average, due to its offerings, customer experience, and financial stability. The company offers eight out of ten Medigap plans, thereby covering a large swathe of benefits, with other features, such as dental and vision, available as add-ons. Finally, though the company's customer experience seems good, they do have a higher-than-average complaint ratio.

Humana Coverage

Coverage - 9 / 10

Humana offers eight of the ten different Medigap plans, but choices will vary depending on where one lives. As Medicare Supplement Plans are standardized, each individual plan's features are the same in all 50 states. However, Humana also offers prescription drug plans, and additional dental and vision plans are available at an extra cost. Some plans may also include a nurse advice line.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan C - One of the most popular plans, it adds on a skilled nursing facility daily copay, the Part B annual deductible, and emergency care outside of the U.S.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan K - Covers half of: Part B co-insurance, first 3 pints of blood, hospital deductible, skilled nursing facility, and hospice care. It also covers all the co-insurance for Part B preventive care services.
  • Plan L - Just like Plan K, this covers all of your Part A & B copays after a certain amount out-of-pocket, and 75% of every benefit that Plan K covers (instead of 50%).
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

At a Glance

Additional Benefits
Contact a nurse
Routine Vision or Dental Care

Humana Pricing

Pricing - 9 / 10

The pricing of Humana's plans, like Medigap plans from other insurers, varies depending on the age-rating method of the insurer, whether the application is made inside or outside the enrollment period, and where the enrollee lives. Humana's Savings Center also links members to health and wellness discounts for policyholders.

Humana Customer Experience

Customer Experience - 8.8 / 10

Humana has an excellent rating from BBB, despite the fact that their complaint ratio from the NAIC is above-average. Policyholders can contact the company in a variety of ways, and there is a considerable amount of helpful educational resources for interested consumers. These include a searchable prescription drug list, mobile app, and community centers in some zip codes.

Support

  • Email
  • Toll-free number
  • Fax

Educational Resources

  • FAQs
  • Articles
  • Drug interactions

Reviews

BBB Rating
A+
NAICS Complaint Ratio 2017
21.64
NAICS Total Complaints 2016
136
Date Collected
2018-03-17

Humana Financial Strength

Financial Strength - 9 / 10

Humana has been rated financially stable by Moody's and AM Best. Financial strength ratings can help determine whether an insurance company is able to meet its obligations, but other factors, such as longevity, can also be indicative of a company's legitimacy. Humana's 50+ years of experience in the industry, as well as their name recognition, gives consumers good reason to trust in their economic stability.

Ratings

Moody's Financial Rating
A3
AM Best Financial Rating
A-

Year Founded

1961

Underwriter

Humana

Company Profile

Full Name
Humana Medicare Supplement Insurance
Company Website
Headquarters
500 W Main Street, Louisville, KY, 40202
Mailing Address
PO Box 14601, Lexington, KY, 40512

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