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Review Summary: Humana offers Medicare Advantage in 49 states and the District of Columbia and Puerto Rico. Medicare Supplement is offered in 48 states and District of Columbia. It also offers prescription drug plans.
Recommended for: Humana is a good pick for those looking for a Medicare Advantage plan. While Humana offers Medicare Advantage and Supplement plans, it has higher ratings for its Medicare Advantage plans.
Medicare is medical insurance sponsored by the federal government that is available to those who are 65 or older. Medicare provides Part A, which covers hospital expenses, and Part B, which covers doctor visits. However, it does not cover all expenses. (Part A and Part B are also known as Original Medicare.)
That’s where Medicare Supplement insurance and Medicare Advantage plans come into play. Medicare supplement insurance, also called Medigap, and Medicare Advantage, also called Part C, are designed to supplement Medicare Parts A and B. Medicare patients do not need both Medicare supplement insurance and Medicare Advantage.
They are both purchased through insurance companies. Medicare Advantage plans typically have low premiums, require copays, and come with network restrictions. Supplement insurance policies typically come with higher premiums, have lower costs when receiving care, and do not come with network restrictions.
Offers Medicare Advantage and Medicare Supplement plans
Available in all 50 states, District of Columbia, and Puerto Rico
Ranks number 2 in J.D. Power’s 2022 Medicare Advantage member satisfaction index
Medicare Advantage plans come with high drug deductibles
|Customer Rating Platform
|Better Business Bureau (BBB)
|A+ Rating; 1.2/5 Stars with 346 Reviews
|1.6/5 Stars with 106 Reviews
|4.5/5 Stars with 15 Reviews
|1.3/5 Stars with 404 Reviews
Humana offers Medicare Advantage plans, also known as Part C, and Medicare Supplement insurance plans.
Medicare Advantage plans replace Original Medicare because they include Part A coverage, and Part B coverage, and most plans also include Part D coverage, which is the prescription drug plan.
Some of the Medicare Advantage plans that Humana offers also include coverage for dental, hearing, and vision.
The Medicare Supplement plans are added in addition to Medicare Part A and Part B.
Humana offers a total of 12 Medicare Advantage plans in the following categories:
Medicare Advantage plan rates and fees will vary depending on where you live and other factors, but here’s a general overview of what you can expect depending on if you decide to go with an HMO, PPO, PFFS or SNP.
Please note that all premiums are in addition to the Medicare Part B Premium, which currently starts at $148.50 per month.
|Rates & Fees
|Humana Gold Plus (HMO)
Insulin Savings Program
20K Participating Providers
|$0.00 – $34.00 Monthly Premium (In addition to Part B Premium)
$0 primary copay
$25 to $45 specialist copay
$3,900 to $5,500 Max out-of-Pocket
Insulin Savings Program
Dental (on some plans)
Drug (on some plans
28K to 83K Participating providers (depending on plan)
|$0.00 – $96.00 Monthly Premium (In addition to Part B Premium)
$0 to $20 Primary copay
$20 to $50 Specialist copay
$3,900 to $7,350 Max out-of-pocket (in-network)
|Humana Gold Choice (PFFS)
43K participating providers
|$61.00 Monthly Premium (in addition to Part B Premium)
$15 Primary copay
$50 Specialist copay
$6,700 Max out-of-pocket (in and out-of-network)
|HumanaChoice SNP-DE (PPO D-SNP)
$0 Rx Copay Benefit
Healthy Options Allowance
38K Participating providers
|$0.00 Monthly Premium (in addition to Part B Premium)
$0 Primary copay
$0 Specialist copay
No max out-of-pocket responsibility
For those looking for a standalone prescription drug coverage, Humana offers the following drug plans:
Medicare patients have three opportunities to enroll in Medicare Advantage with Humana depending on their current situation:
Humana offers the following Medicare Supplement insurance plans, but since Jan. 1, 2020, Plan C, Plan F, and high-deductible Plan F are only available to those who first qualified for Medicare before 2020.
While there is some plan variation in some states, here is a breakdown of the plans and the coverage they include:
Humana offers a 6% discount when customers purchase their Medigap plans online. However, there is no discount for residents of California, Connecticut, and Ohio.
Rates vary depending on your location and other factors, but to give you an idea of what the premiums may be, these are the rates for a female in New Jersey who is 65 years old.
|Cost Per Month
|High Deductible Plan G
Medicare Supplement plans are purchased during the Medicare Supplement Open Enrollment period, which begins on the first day of the first month that you are going to turn 65 and you are enrolled in Medicare Part B. You have six months from the first of the month to enroll in a Medicare Supplement plan.
If you miss the Medigap Open enrollment window, you can still apply, but you risk denial or paying a penalty fee.
Humana first opened in 1961 as a nursing home company. It later owned and managed hospitals. It began offering health insurance plans in 1983. It now focuses exclusively on group health insurance and Medicare plans.
Most of Humana’s Medicare Advantage plans include dental and vision benefits for routine care. However, coverage depends on the plan you choose.
For those with Medicare Supplement plans, Humana also offers these additional services:
Humana offers Medicare Advantage in 49 states and the District of Columbia and Puerto Rico (not available in New York). Medicare Supplement is offered in 48 states and the District of Columbia (not available in Kentucky or New York). [Source: Humana.com]
We independently identify Medicare insurance companies. Medicare Insurance companies are evaluated based on five factors that we believe are important for consumers: years in business, number of products offered, customer service availability, state licensing footprint, and Better Business Bureau (BBB) Ratings. Please find a full description of our rating system here.
This information is intended to be general and educational in nature and should not be construed as financial advice. Consult your financial advisor before implementing financial strategies for your retirement.
Reviews last updated: 2/2/24. (Reviews are typically updated monthly.)
Ratings last updated: 12/4/23. (Ratings are typically updated quarterly.)
On the phone now for 3 hours with customer service. They told me my PCP and specialists were in network before I transferred from Medicare to Humana. I could not find them in the system after filling out my profile. Today the CSR is argumentative and cannot and or will not answer my questions. She is also giving conflicting answers to the questions she does answer. Now I am stuck with this for at least a year and don’t know if my medical bills will be paid.