Humana Medicare Review

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1 Minute Review

Humana offers a wide range of Medicare insurance products including Medicare Advantage, Medicare Supplemental insurance plans, and Part D plans. Here’s a snapshot of what Humana’s known for:

Best For

  • Lots of HMO and PPO plans to choose from
  • Extras such as dental and vision coverage
  • Free fitness program
  • Affordable plan options


  • Partnerships with Walgreens and Walmart to bring you expanded prescription drug coverage
  • Rewards for healthy habits
  • Large provider network


  • HMO plans only available in 22 of 50 states
  • No short-term plans offered
  • Costlier plan required if you need international coverage
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Have you blown the birthday candles out on your cake for your 65th birthday? If so, your mailbox has probably been overflowing with information about Medicare plans. You’re eligible to sign up for Medicare 3 months before you turn 65, during your birthday month, and 3 months after. If you don’t sign up during this short 7-month window of time, you could pay a late penalty which will be added to your monthly premium. 

Once you’ve enrolled in Medicare, you can sign up for a Medicare Advantage plan offered by a private insurer. One insurance company garnering positive reviews is Humana. Humana offers a wide range of Medicare Advantage plans, some with $0 monthly premiums, so they’re worth considering. We’ve researched its plans and pricing and are sharing this info with you to help you make your decision.

What is Medicare?

Medicare is a federally-funded insurance program geared toward U.S. citizens 65 and older. It’s also available to individuals with disabilities under the age of 65 who receive Social Security Disability benefits. To qualify for Medicare, you must have contributed to Medicare taxes throughout your lifetime. 

Medicare is divided into 4 parts:

Part A: Covers inpatient hospital stays, skilled nursing facilities and some in-home care

Part B: Covers outpatient doctor visits, specialty and therapy care, and durable medical supplies

Parts A and B are known as Original Medicare.

Part C: Also called Medicare Advantage plans, offered by private insurance companies; benefits provided by Original Medicare such as dental and vision coverage

Part D: Prescription drug coverage not covered by Original Medicare. Some Medicare Advantage plans include drug coverage. You can also buy standalone Part D plans from private insurers to complement an Original Medicare plan.

Another plan to consider is a Medicare Supplement or Medigap plan. Medicare Supplement plans, offered by private insurance companies, are meant to fill in the gaps of Original Medicare. 

Medicare Advantage plans are regulated by the Centers for Medicare and Medicaid Services (CMS), a federal agency. CMS sets guidelines for insurers to follow regarding plan offerings, services, rates, and marketing practices. Plans that violate CMS guidelines are subject to suspension, fines, or termination. CMS also rates plans with stars from 1–5 with 5 being the highest. Star ratings are based on areas such as provider choice, performance, plan features and pricing. 

Who’s Humana Medicare For?

You can sign up for a Humana Medicare Advantage plan if you are:

  • About to turn 65, on your 65th birthday month, or 3 months after
  • Collecting Social Security Administration disability benefits; in this case, you might be under the age of 65
  • An individual or spouse seeking a Medicare Advantage plan
  • An employee turning 65 but still working; can choose a Medicare Advantage employer group plan but still have to pay your Medicare Part B premium and any copays or deductibles that apply

In all of these cases, you must have paid Medicare taxes and be a U.S. citizen.

Medicare Advantage Plans Offered by Humana

Health Maintenance Organization (HMO) plans: HMO plans consist of regional networks of doctors, specialists and hospitals who are contracted to charge established rates and copays for care. You’ll need to choose a primary care doctor for referrals to see specialists. You must stay within your Humana’s HMO network; if not, you’ll pay full price for services. HMOs promote health and wellness, so you’ll receive incentives and rewards to maintain a healthy lifestyle. HMO plans offer medications, walking programs, diet and nutrition resources, and smoking cessation plans.  

Preferred Provider Organization (PPO) plans: PPO plans cost more than HMO plans but include more benefits. For example, you can see any doctor you like but will pay less if you choose within Humana’s network. PPO plans are also more flexible. No referrals are needed if you want to see a specialist. PPOs are made up of large networks of hospitals and providers who’ve agreed to charge predetermined rates for services. If you choose a provider or hospital outside of the PPO network, you’ll pay more.

Medicare Supplement or Medigap plans: Humana offers Medicare Supplement plans that cover many out-of-pocket expenses not paid for by Original Medicare.

Special Needs plans (SNP): SNP plans combine all the benefits of Original Medicare, including prescription drug coverage, but are only available to people who have an additional qualifying condition, such as:

  • Are eligible for both Medicare and Medicaid
  • Have certain chronic health conditions
  • Live in a long-term care facility

Part D or prescription drug plans: These are standalone plans that complement Original Medicare or Medicare Advantage plans.

Pricing and Value

You can easily compare Humana’s Medicare Advantage plans by visiting its website and providing basic info such as your city and zip code. You can also compare plans using Medicare’s find-a-plan tool at www.medicare.gov. Here are a few examples to give you an idea of what they offer:

Plan NamePlan TypeHealth Plan DeductibleMonthly PremiumIn-Network Maximum Out-of-Pocket CostStar Rating
Humana GoldPlusHMO$0$8$4,0003
Humana HonorPPO$0$0$5,5004
HumanaChoice with Drug CoveragePPO$0$21$6,4004
Humana GoldPlus with Drug CoverageHMO$0$44$3,9003
HumanaChoice with Drug CoveragePPO$0$98$5,9004
Humana GoldPlusHMO-SNP$0$0$6,7003

Some of these plans offer vision and dental coverage for an additional monthly fee as well as free fitness programs. These rates are estimates and may vary based on your income, health status, age and other factors, so check with a licensed sales agent to learn more.

Customer Service

Humana offers several options to reach customer service representatives including:

  • Visiting its website: humana.com
  • Chatting with an online representative or virtual assistant
  • Calling its phone number at 800-457-4708

Humana’s website is also a great resource for:

  • Estimating the cost of a health service
  • Locating a doctor or pharmacy
  • Filing a claim or checking a claim status
  • Reviewing your balance
  • Changing your coverage
  • Checking your plan details
  • Ordering a replacement or additional ID card
  • Accessing your benefits and services
  • Reviewing their Frequently Asked Questions section

Claims Support

Generally, your doctor, specialist, or hospital will file a claim with Humana, but in some cases, you might have to file a claim yourself. If a provider doesn’t take your insurance or can’t verify your coverage, you may need to submit a claim and request reimbursement.  Or, if you receive care while traveling outside the U.S. you will need to file a claim. 

To file a claim you can fill it out and mail it or file it online. You can check the status of your claim by phone or by logging in to your member account. 

Outside Reviews of Humana’s Medicare Advantage Plans

In addition to reviewing information from Humana and Medicare.gov, there are other sources you can look to when considering Humana’s Medicare Advantage plans. Humana’s GoldPlus HMO plan in Tennessee was named among its 2019 Best Insurance Companies for Medicare Advantage, a study that considers CMS star ratings, prescription drug coverage, pricing, and plan features. 

Humana was ranked 3rd in the J.D. Power 2019 Medicare Advantage Study. The study rates plans on overall satisfaction, customer service, billing and payment, provider choice, coverage and benefits, communication and cost. Most of Humana’s ratings in the studies were “Better Than Most” and “Among the Best.” Humana Pharmacy was also named the top U.S. mail-order pharmacy in customer satisfaction in J.D. Power’s 2018 Pharmacy Study. 

Other facts to know about Humana include these:

  • 92% of Humana’s Medicare Advantage members are enrolled in 4-star and above plans for 2020.
  • Humana received a 4.5 CMS star rating for 6 Medicare Advantage plans offered in 19 states, covering 1.2 million members.
  • 18 Humana Medicare Advantage plans received a 4-star or above CMS rating for 2020.

Research Plans Before You Sign Up

Researching Medicare Advantage plans isn’t any different than researching before you make a big purchase such as a house or car. The Medicare plan you choose impacts your health and budget for years, so it makes sense to take your time and weigh your options. 

Humana offers good plans worth considering, but many other plans offer competitive benefits. Decide which benefits are most important and then enroll in the best plan for your needs.