Humana Health Insurance & Plan Options
Founded in 1961, Humana is one of the most popular providers of Medicare Advantage plans in the country. While Humana no longer offers individual or family plans in the health insurance market, it does offer a wide range of HMO, PPO, PFFS, SNP, and standalone prescription drug plans through an agreement with Medicare.
It also has a number of affordable group plans for dentistry, eye care, and employers, and helps low-income people enroll in Medicaid.
Humana serves all 50 states, Washington, DC, and Puerto Rico, but not every plan is available in every state. Find out about your options before you decide on Humana health insurance.
HUMANA HEALTH INSURANCE OVERVIEW
| Company founded | 1961 |
| Coverage area | All 50 states |
| A.M. Best rating | A- |
| BBB rating | A+ |
| NCQA accreditation | Yes |
| NCQA rating | 4 to 2.5 |
| Plans available |
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| Provider network |
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Is Humana a Good Health Insurance Provider?
| What we love about the Humana health insurance plan | Disadvantages of the Humana health insurance plan: |
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What Do Humana Health Insurance Plans Cover?
Humana offers several health insurance options, including:
- Employer plans
- Individual health insurance
- Family health insurance
- Medicaid/Medi-Cal
- Medicare
Humana Health Insurance Plan Options
Humana is a leading provider of Medicare Advantage plans, which often include extras you don’t get with Genuine Medicare.
It offers a wide variety of plans, but the number and types of plans available depend on where you live and your specific healthcare needs. However, you will have to find different HMO, PPO, and PFFS plans no matter where you live, and special needs plans (SNPs) are available in more than 20 states.
The HMO plan Humana has a large network of providers, but you have to choose a primary provider. Most of these plans include coverage for prescription drugs, but some don’t. Its PPO plans allow you to choose a healthcare provider, but you’ll save money by staying on a plan network. Some of these plans include prescription drug coverage, but many don’t.
With the Humana PFFS plan, you can choose which provider will receive your plan, and some plans include prescription drug coverage.
Humana also offers two special needs packages; one for chronic conditions, available in 12 states, and one for beneficiaries who qualify for Medicare and Medicaid, available in 27 states. Prescription drug coverage is included with all SNPs. Many types of plans include coverage for vision, dental, and hearing care.
The cost of the Humana Medicare Advantage plan varies by location and individual needs. To get an idea of the cost of the different Humana Medicare Advantage plans, compare these three popular options in Nashville, Tennessee.
COMPARE YOUR OPTIONS FOR HUMANA HEALTH INSURANCE PLANS:
| Plan name | Monthly premium | Annual deductible | Office visits | Annual maximum out-of-pocket cost |
|---|---|---|---|---|
| Humana Gold Plus HMO POS | $0 | None | $0 primary/$30 specialist | $5,900 |
| HumanaChoice PPO | $30.20 | $203 | $20 primary/20% specialist | $6,700 |
| Humana Gold Plus SNP-DE | $0 | None | $0 primary/$0 specialist | None |
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