All About Humana Health Insurance


Humana began within the Nineteen Sixties as a home-based nursing firm, and grew quickly to change into the biggest in the US. Thirty years later, the corporate’s title was formally modified to Humana, which was the biggest hospital within the area, and it developed its personal medical insurance schemes. Shortly afterwards, Humana determined to focus solely on her well being care plans, stopping the hospital segregation. So far, Humana Inc is a Fortune 500 firm based mostly in Kentucky and one of many nation’s largest medical insurance corporations.

Humana gives a wide range of particular person insurance coverage merchandise associated to well being care, together with well being, dental, and imaginative and prescient. Well being programs can be found in Alabama, Arizona, Florida, Georgia, Kentucky, Louisiana, Michigan, Mississippi, North Carolina, Tennessee, Texas, Utah, and Virginia. The corporate additionally sells further medical insurance plans. Humana Health Insurance

Humana helps a wide range of well being applications, together with Humana Helps for individuals who need to higher perceive the Reasonably priced Care Act, and HumanaVitality, an award-winning program geared toward selling blood donation, train, prevention testing, and smoking cessation.

For the previous 15 years Humana has been chargeable for managing the Division of Protection’s TRICARE program. Advocacy for army members has been a long-standing give attention to the corporate with a powerful emphasis on discovering options to frequent well being care points that veterans face.

Humana relies in Louisville, Kentucky. It’s the third largest healthcare firm within the U.S., serving greater than 13 million clients. The Humana community consists of greater than 350,000 medical suppliers and greater than 3,000 hospitals. The corporate has been in enterprise since 1961 and had its beginnings within the aged care business. Humana Health Insurance

Like most insurance coverage corporations, Humana’s product choices embody the next kinds of applications: HMO, PPO, POS, and EP

Humana Health Insurance Pros and Cons


  • Medicare Benefit buyer satisfaction
  • Monetary stability
  • Member advantages


  • Lack of particular person medical insurance
  • Customer support

Humana programs and options

Humana gives medical insurance to companies of any measurement together with these small companies with lower than 50 staff. Employers have a wide range of insurance policies to select from when selecting medical insurance for his or her staff.

The inclusion of Medicare advantages by Humana is offered to buy people who find themselves already eligible for Medicare. When selecting between Humana’s Medicare Benefit insurance policies, it’s best to contemplate the supplier’s community choices

  • Dental and imaginative and prescient insurance coverage

Humana dental insurance coverage is offered in three classes: Dental Financial savings Plus, Preventive Worth, Dental Preventive Plus

The primary distinction between these insurance policies would be the supplier networks. Dental Financial savings Plus stands out as the most cost-effective coverage amongst Humana choices however will solely supply reductions while you go to on-line dentists. Then again, Preventive Worth and Preventative Plus will present extra flexibility for networks.

Imaginative and prescient insurance coverage will also be bought by the Humana web site, however just one plan is obtainable: Imaginative and prescient Focus Plan. The coverage has a month-to-month fee of $ 14.99 with a one-time subscription charge of $ 35. Humana imaginative and prescient insurance coverage will show you how to pay for companies equivalent to common eye exams, contact lenses and frames. Humana Health Insurance

Benefits and services of the member

By changing into a Humana member, you’ll acquire entry to their MyHumana on-line web site. These can be found on-line however will also be accessed by the corporate app. On this discussion board, you’ve the facility to pay your premium, discover a physician and get extra data like a drug value information.

Along with the MyHumana platform, the corporate gives all members entry to the Go365 Wellness system. This system permits members to save lots of on their month-to-month medical insurance premiums by collaborating in wholesome actions equivalent to train or consuming fruit and veggies.

Customer reviews and complaints

The evaluations of Humana clients are barely beneath common in comparison with different medical insurance corporations. As well as, a serious criticism amongst members is the gradual tempo of customer support.

All of that is backed up by Humana’s Nationwide Affiliation of Insurance coverage Commissioners (NAIC) score index 1.82. The approximate scores of each point out that the corporate receives extra complaints than common by way of its measurement.

Humana, alternatively, is a licensed enterprise as recognized by the Higher Enterprise Bureau (BBB), which implies that regardless of receiving complaints, the corporate is actively attempting to resolve excellent points with policymakers.

Financially, Humana is secure and capable of pay buyer claims, which could be seen in A.M. Glorious A- score (Superb).

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