Humana Health Insurance Company – Overview

Humana is one of the largest health insurance companies in the US.

Published September 19, 2019

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About

Humana is a health insurance company based in Louisville, Kentucky. Humana was originally founded in 1961 under the name Extendicare Inc. Humana is the third-largest health insurance company in the U.S.

See our comprehensive review here

Special Features

Humana offers a wide variety of plans, including HMOs and PPOs, as well as dental and vision plans for adults. Humana contracts with many provider networks in all of the states they cover, giving you flexibility as to which doctors you can visit while still providing discounts on health services.

Prescriptions & Drugs

The specific prescriptions that Humana covers depends on the type of Humana plan you purchase. Generally, however, Humana covers both brand name and generic drugs. If a drug is not covered by Humana, you may be able to purchase it at a higher price. For a full list of Humana’s drug guides (also called formularies), visit this page.

Learn more about prescription drug coverage.

Enrollment process

For traditional health insurance, Humana mainly offers group plans. That means you'll have to sign up for Humana health insurance through your employer, if your employer offers it. You may need to choose a different health insurance plan if your employer doesn't offer Humana.

You can't get Humana on the Obamacare health insurance marketplace.

You can also get Humana if you qualify for Medicare. Medicare Part C, also called Medicare Advantage, allows you to purchase health insurance from a private insurer that is sponsored by the U.S. government.

Claims process

If you visit an in-network provider, they should handle your claim for you. However, if you need to make a claim directly to Humana, all you need to do is fill out this form and send it, along with your original itemized bills, to the address on the back of your insurance card.

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Humana review

Humana offers a wide variety of plans, generally at an affordable cost for a given level of plan benefits. Humana plans are generally highly rated in terms of quality and customer satisfaction.

Basics & ratings

FoundedJD Power Rating# of PolicyholdersA.M. Best Rating
19614 out of 516.5 millionA

Overall score

We evaluated this health insurance company using publicly available data on patient care & satisfaction, customer service and costs (premiums) versus similar plans on the market.

Quality & SatisfactionAffordability
3 out of 54 out of 5

Other health insurance companies

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