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Our editorial Consumer Reviews Humana Health Insurance is based on extensive research and recommendations from the Forbes Health Advisory Board.

Humana is a prominent health insurance provider that provides a variety of Medicare Advantage plans to meet the diverse budgets and needs of older individuals around the country.

About Humana Health Insurance

Consumer Reviews Humana Health Insurance

Humana Inc., founded in 1961, is a health insurance corporation headquartered in Louisville, Kentucky.

It is now the sixth-largest supplier of health insurance in the United States. Humana serves almost 9 million Medicare beneficiaries, more than 5 million of whom are enrolled in Medicare Advantage plans.

Humana Medicare Advantage at A Glance

Plan options: Humana has a wide selection of Medicare Advantage plan options to suit a variety of beneficiaries, including HMOs, PPOs, and SNPs.

Provider Network: The number of suppliers varies according to where you live. In Pittsburgh, for example, Humana has contracts with 224 family doctors.

Average monthly premium: Humana provides several plans with no monthly cost. The average premium for 2023 is $18 per month.

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How Does Humana Medicare Advantage Work?

A Humana customer support representative explained that the company’s networks are regionally based. Each plan has its selection of doctors, experts, and pharmacists.

Plan options differ by location but may include health maintenance organization (HMO) plans, preferred provider organization (PPO) plans, special needs plans (SNPs), and private fee-for-service (PFFS) plans.

Private fee-for-service (PFFS) plans effectively allow you to engage with any Medicare-approved clinician who accepts the terms of your plan.

Humana HMO plans let you choose a doctor from the Humana provider network. Humana also does not bind you to a specific provider and allows you to switch as needed.

Most Humana HMO plans cover prescriptions. They also provide hearing, vision, and dental coverage, none of which are covered under standard Medicare.

PPO plans are more flexible in terms of picking providers, so if you have numerous specialists or a preferred physician, a Humana PPO plan may be better for you.

Humana SNPs target those with chronic health conditions.

Dual eligibility for Medicare and Medicaid.

Residents of long-term care facilities

Humana offers two types of SNP plans: Chronic Condition Special Needs Plans and Dual-Eligible Special Needs Plans. These plans are now offered in a little under 30 US states.

Your ZIP code has a significant impact on the available plans. Plan availability varies greatly according to area.

For example, Humana offers seven Medicare Advantage plans in the Boston region (ZIP code 02108), but 16 in Hillsborough County, Florida (ZIP code 33647).

Meanwhile, some zip codes do not have access to any Humana Medicare Advantage plans.

Most larger states are divided into four or five areas, in which Humana strives to contract with as many providers as possible.

Humana’s website allows you to shop for plans based on providers who are “in the network.”

Every Humana Medicare Advantage plan provides dental, vision, and hearing coverage. Other advantages commonly provided by these programs include:

  • Insulin savings programs
  • Over-the-counter allowances
  • SilverSneakers fitness programs
  • Meal delivery services

The Healthy Food Card provides a monthly allotment for authorized goods at participating stores.

Part B giveback occurs when the plan carrier covers some or all of your Part B monthly cost.

Transportation support.

Wigs for chemotherapy patients.


Humana Medicare Advantage plans with $0 monthly premiums are only offered in select areas.

Furthermore, its Honor Plans are designed to supplement VA coverage for veterans, ensuring they can obtain the necessary care.

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